Streetsmart insurance Blog
When leaves, soil, or other debris clog your drainage system, they can prevent sewage from leaving your property. The pressure from that back-up could cause a leak or an explosion that would send water flowing into your home.
Your homeowners insurance policy covers property damage caused by natural hazards, such as fire, wind, and hail. You can even purchase flood insurance to cover your home in the event of a natural disaster. But if your sewer system, drainage system, or sump pump stops working, the resulting water damage may not be covered by your current policy.
Water back-up coverage protects your property from water damage caused by sewers, drains, and sump pumps. It can be added to your homeowners insurance policy as an endorsement, with available coverage from $5,000 up to the full value of your home.
How Can I Prevent A Water Back-Up?
Water back-ups can easily be avoided.
Follow these tips to prevent water damage and protect your home.
Install An Effective Drainage System – If your home or yard has drainage problems, hire a contractor to install a new drainage system. Channel drains, catch basins, and grates can channel rain and debris away from your house and into the municipal sewage system.
Maintain Gutters And Downspouts – Leaves, mud, and rocks will block your gutters if they are not properly maintained. Make sure you clean gutters and downspouts twice a year to avoid drainage problems.
Take Care Of Your Sump Pump – Your sump pump is the last line of defense between you and and a basement full of water. If you have a sump pump installed on your home, clean it every summer and replace the back up battery every two to three years.
Include Water Back-Up Coverage In Your Homeowners Policy – Work with your insurance agent to add the right amount of coverage to your homeowners policy. If disaster strikes, you’ll have the funds you need to repair any property damage and reclaim your home.
Street Smart Insurance is committed to providing affordable coverage.
Whether you are looking for your first homeowners insurance policy or you are shopping for a better price, our agents are ready to help.