large plumping pipe and valveSewer/Sump Pump Coverage and Water Backup Coverage

Many of us wouldn’t mind owning a pool; we just prefer not to have a pop up pool in our homes. Despite what people believe, drains can flow both ways and there is nothing more aggravating than coming home to a pond in your bathroom. 

Sewer/Sump Pump Coverage, also known as Water Backup Coverage, is an easy way to help put your mind at ease should you stumble upon a sudden back up of water in your home from a:

  • Pipe or drain
  • Sump pump 
  • Any mechanical device used to transport water

Myths About Basement Flooding (Sump Pump)

Anyone who owns a home is at risk of damage from drainage and sump pump failure. It’s a common misbelief that living on a hill or not owning a basement will protect your home. These two misconceptions often leave homeowners paying thousands out of pocket to repair damages when something does go wrong.

Not having a basement doesn’t mean that your home isn’t at risk. Clogged drains in your home can lead to extensive water damage that will leave you paying for repairs if you go without sump pump coverage.

There were two claims for water damage out of every 100 homeowners claims, making it the second most frequent claim. Hail and wind damage were first.

Water Backup Coverage is NOT Flood Insurance

Flood insurance deals with “the natural rising of water” outside your home. Sump pump/water backup coverage focuses on damage as a result of either a sump pump or drain failure inside your home. Think of water backup as covering damage from a more sudden backup of water that floods the home quickly. If you have a slow leak that does damage over time, it may not be covered. 

Water Backup Coverage is NOT the same as Water Overflow

Overflow happens when the toilet is clogged below and new water entering the toilet from above is blocked, overflowing onto the bathroom floor. This is not the same as water coming up from below the toilet flange into the toilet and overflowing onto the bathroom floor. A common feature of overflow water is usually clear/clean, whereas water backup water is usually black or dark green colored, as it has been forced back up out of the plumbing pipes.

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How Do Sump Pumps Malfunction?

The truth is that many possible scenarios can cause a sump pump to malfunction. Some of these you can prepare for:

  • Power failure. Sump pumps require power to run. If the power fails during a storm and your pump doesn’t have battery backup, then water will flow freely into your basement. 
  • Accidental Disconnection. Whether by playful children or sheer chance, sump pumps can get disconnected from their power source. After the backup battery runs out, they end up failing.
  • Poor Maintenance. Homeowners sometimes forget to perform routine maintenance. Sump pumps need regular cleanings to prevent clogs as debris can create a blockage.

How Costly Can the Damage Be?

Dealing with a flooded basement stinks. The damage can be extensive. The water ruins carpets, drywall, and personal belongings. But what’s worse is that not only does the water need to be removed, but the basement needs a specialized cleaning as the water can increase the likelihood of mold and even be a potential biohazard.

As a result, the damage from sump pump failure and water backup also tends to be very expensive. Whether you have a fully furnished basement, or you simply store valuables down there, cleaning up afterwards can be a financial nightmare. In fact, water damage and freezing were expensive claims between 2012 and 2016 at an average of $9,633 per claim

Older homes are more at risk. The Clean Water Act of 1972 prohibited the connection of water drains and sanitary sewers. The result was a 30% - 68% reduction in sewer backup in houses built after that time. But that means if you have a home built prior to 1972, you may be more at risk to sewer backup. 

The same study also points out that if you have a house located in a southern state, your claim is on average 61 percent more expensive than houses in a northern state.

Water Backup Coverage is a Cheap Way to Protect Your Home

While certain home insurance add-ons can be expensive, water backup coverage is quite affordable. It usually will cost an extra ~$10/month to add $10,000 in coverage. It’s a low-cost add-on that will bring you peace of mind should a drain suddenly decide to push water in the wrong direction.  

At your service,
Young Alfred