Is Sewage Backup Covered by My Homeowners Insurance?

Some policies include limited coverage for sewage backup as part of a broader water damage clause. Others offer it as an optional endorsement you can purchase for an additional cost. This endorsement typically covers damage from water or sewage that backs up through drains, toilets, or sump pumps.

Even with an endorsement, coverage is usually subject to a separate deductible and may have a lower limit than your main dwelling coverage. You should verify the exact terms with your insurance company. Policies vary, and your insurer decides what is covered.

• Check your policy declarations page for 'sewage backup' or 'water backup'.
• Look for endorsements or riders that add this coverage.
• Ask your insurance company about your specific policy language.
• Understand that coverage limits may apply.
• Note any exclusions for neglect or lack of maintenance.

Cleaning up sewage backup is a hazardous job that requires proper protective gear and disinfection. You should not attempt to handle large-scale contamination yourself. Local water damage pros have the equipment and training to safely remove sewage-contaminated materials and sanitize the area.

The work usually involves removing affected drywall, flooring, and insulation, then cleaning and disinfecting all surfaces. Porous materials may need to be discarded. The pros will also dry the area thoroughly to prevent mold growth, which can be a secondary issue in humid climates like Arlington.

• Wear rubber boots, gloves, and a mask if you enter the area.
• Do not run fans or HVAC systems until the area is disinfected.
• Remove any items that cannot be cleaned, like carpet and upholstered furniture.
• Use a disinfectant approved for sewage cleanup.
• Keep children and pets away from affected areas.