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Protecting Your Property

 

Sewage backups often occur in basements but can happen anywhere in the home. This not only damages the building structure but can affect systems such as electrical or HVAC. If the source of the backup is found in the private lateral, such as a clog or a break, the costs for the cleanup and restoration are paid by the property owner. Typical homeowners’ insurance does not always automatically cover backups in sewers and drains.


You Can Protect Yourself From Costly Sewage Backups
  • Have your private lateral inspected by a licensed plumber.
  • If you are buying a house, include the lateral inspection in the home inspection.
  • Repair or replace damaged laterals and cleanouts.
  • Don’t plant trees or shrubs with deep roots close to your private lateral.
  • Locate your lateral cleanout and make sure the cap is in good condition.
  • Add a sewage back up rider to your homeowners’ insurance policy.
  • Install a sanitary backflow device if your lowest plumbing fixture is below grade of an upstream manhole.