Sewer, septic backup, sump overflow coverage - what you need to know | By Don Patnode - American Family Insurance

Oct 24, 2024

When the sewer or septic system doesn’t flow normally, or work correctly, it may back up into your basement.

You may have a sump system, located in your basement, to remove water that accumulates in or around your home. If part of the system fails or the power goes out, water around the foundation isn’t removed and may overflow into the basement.

This coverage is designed to assist you in the event either of these two systems fails to work properly.

WHAT’S COVEREDThis endorsement provides dwelling coverage up to the endorsement limit for structural components, interior elements and mechanicals such as:• Wall studs & insulation• Electrical• Drywall & wall trim• Flooring & wall covering• Furnace & water heater• FireplaceAs well as personal property coverage up to the endorsement limit for items such as:• Clothes washer & dryer• Freezer & refrigerator• Dehumidifier• Furniture• Electronics• Art• Clothing• Holiday decorationsAlso available is an appliances-only coverage option.

DEDUCTIBLE AND COVERAGE AMOUNT INFORMATIONA separate deductible from your homeowner’s policy applies to the Sewer Back-up, Septic Back-up and Sump Overflow coverage.

The deductible and coverage amount available are determined by several factors such as the coverage chosen for your home and personal property, as well as characteristics for your specific geographical area.

WHAT IF THERE’S A FLOOD?Your American Family Insurance homeowner’s policy does not provide coverage for flooding or rising water even with this added endorsement. Sewer Back-up, Septic Back-up and Sump Overflow coverage is not a substitute for flood insurance. Flood insurance may be available through the National Flood Insurance Program (NFIP).

My team is here to serve. Our unique backgrounds, training and experience have prepared us well to help meet your insurance needs. Additionally, as residents of your community, we understand how important it is to be there for you – our trusted friends and neighbors. Together, we’re building strong partnerships that help everyone succeed. Click HERE for more information.

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