Admin Table of Contents
What is sewer backup coverage?
Sewer backup is when the sewer drains backup into your home – typically the basement – caused by a clog in the sewer line, outdated sewer systems, or excess rain. Sewer backup coverage covers damage from this water that comes into your home through pipes, drains, septic tanks, eaves troughs, or down spouts.
Is sewer backup considered flooding?
Floods, by definition, are a naturally occurring phenomenon. They are caused by a body of water overflowing its usual boundaries and seeping into other areas. Sewer backups on the other hand are considered the result of a water backup from a drain or sewer.
What to do if sewer backs up in basement?
What You Can Do If You Have a Sewage Backup in the Basement
- Evacuate the flooded area.
- Turn off electrical power in the flooded area.
- If the main circuit breaker is in the basement, be careful.
- Wear protective clothing like a facemask, eyeglasses, gloves, and rubber boots before walking through sewage water.
Does State Farm homeowners insurance cover sewer backup?
The standard homeowner’s insurance policy with State Farm provides an array of protections for things like busted pipes. Most issues with sewer lines though, are not automatically part of the deal. You can, however, add some protection against water damage from a failed sump pump or septic system onto your policy.
Does homeowners cover basement flooding?
In most cases, your homeowner’s policy will cover basement flooding damage if it’s the result of a sudden and unforeseeable occurrence, such as a pipe bursting or a washing machine overflowing. And if a sewer backup is the cause of your damage, you may be covered only if you purchased that extra protection.
How do I fix a sewage backup in my basement?
Fix Sewage Backup in Basement Floor Drains The acidity in Coca-Cola can help clear a sewage backup but may leave a residue itself. A drain snake is a great tool to unclog plumbing fixtures, but if you don’t have one, you could use a hose or plunger to clear a clogged drain.
Can you get sick from sewage backup?
Sewage backup releases physical, air-borne contaminants. Inhaling these vapors can lead to a variety of symptoms, including cramping, vomiting, fever, and severe forms of gastroenteritis. If left untreated, inhaling sewage backup for long periods of time may lead to death.
What is State Farm sewer drain cover?
The coverage applies if there is direct physical loss of or damage to Covered Property caused by or resulting from water that backs up from a sewer drain (from any cause). Therefore, the cost of the plumbing repairs, excluding the pipe, should be covered up to the $10,000 limit for backup of sewers or drains.