Blog Post: 2
Water Backup
“Why do I need Water Backup Coverage when I don’t live by water and my basement is always dry?”
Andy Noel | January 8, 2019
Water Backup
Findlay, Ohio has had its fair share of water issues and as an Insurance Agent a common question asked regarding a Homeowners Insurance policy is: “Why do I need Water Backup Coverage when I don’t live by water and my basement is always dry?” To help answer the question, let’s start with understanding what Water Backup Coverage is.
Water Backup – when water is backed up into your home from a sewer, sump pump, or drain.
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Now let’s look at some common causes of water backup. The most common is when a sump pump fails. This can be from a power outage, or even just failure due to age. When this happens water from the sump hole overflows onto the floor causing flooding or pooling of water. The next most common cause is a blockage in sewage or drainage pipes. With older pipes it is common for tree roots to penetrate the pipe and clog it up. When this happens the water can backup into the living area of the home.
An unexpected water backup incident can be extremely costly for the homeowner. If a basement is finished or even partially finished the water can cause significant damage to carpet, walls, and appliances. Next, the cleanup cost can accumulate quickly, from removing the water, to removing the smell, and preventing mold from growing. When the sewer pipes clog the water backing up into the home can damage floors, cupboards, and vanities. Not to mention the cost to remove the clog. These are just a few of the many ways water can backup into your home and cause a homeowner with unexpected expenses.
Most Homeowners Insurance policies do not include water backup coverage and the cost of is relatively inexpensive. Our staff at Huston Insurance can go over your particular situation and customize a Homeowners Insurance policy to fit your needs. Contact us at (419) 420-9959 to discuss this option and the many more we have to protect your Home, Auto, Business, and Personal Property.
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