Sewer and water backup is one of the most common and expensive claims homeowners face — yet most standard homeowners insurance policies specifically EXCLUDE backup damage.

What Is Water And Sewer Backup Coverage? An optional endorsement that covers damage caused when water or sewage backs up through drains, toilets, sinks, or sump pumps into your home.

Why Standard Insurance Excludes It: Backup events are relatively common, damage can be catastrophic, and many backups result from municipal infrastructure problems outside the homeowner’s control.

Common Causes: Overloaded municipal sewer systems during heavy rainfall, clogged home drain lines, sump pump failures (especially during power outages), and heavy snowmelt.

What’s Covered: Walls, floors, ceilings, drywall, flooring, electrical systems, personal property, and professional cleanup including sewage sanitization and mold remediation.

Coverage Limits: Typically offered in $5,000–$50,000 increments. Most experts recommend at least $10,000–$15,000.

Cost: Typically $40–$250 per year. Most homeowners pay $50–$100 annually for $10,000–$15,000 in coverage.

Contact Daly & Alexander Insurance at 912-352-1400 to add water and sewer backup coverage today.