Is My Sewage Backup Caused by A Storm Covered?

Does your home smell like sewage and you can’t get to the source of the problem? This is commonly caused by sewage backup. Here at Your Insurance Attorney, we specialize in sewer backup insurance. Our insurance claims adjuster is sure to make sure you get the money you deserve. But how much do you know about water damage? We are conveniently located in Miami-Dade County. 


The Three Types of Water Damage

Water is one of the most common causes of damage in homes, and it represents a large number of insurance claims.  Water damage to your property can happen from any number of sources, such as from:

  • plumbing and appliances
  • severe weather or storms
  • accidents
  • infiltration 

Costs to repair water damage can be extensive, so it is always good to know when your insurance will cover a water damage claim.


The three types of water damage that you need to know about are as follows:

  • Sewer backup or water backup 
  • Overflow and discharge
  • Flood


The source of water damage is not always obvious. The insurance company might throw some of these terms around when you call to ask if you’re covered in a water damage claim. Before deciding if it is covered or not, they will have to determine how the damage happened.


What is Covered in Sewer Backup Insurance

If water damage is sudden and accidental, there’s a good chance most standard home insurance policies cover you.


Depending on the type of insurance policy you have, you might have coverage for damage caused by water. Some basic water damage coverage is included in a standard home policy like an HO-3; other sources of damage might not be covered unless you add an endorsement to your policy. It really depends on the type of home, condo insurance, or renters insurance you have. Your standard homeowner policy will include:

  • Damages caused by the weight of ice, snow, or sleet. This can cause roof collapse or water damage, among other problems.
  • Discharge and overflow of water, even if it is an accident.
  • Tearing apart, cracking, burning, or bulging of a steam or hot water heating system. 
  • Freezing of plumbing and pipes. 


Call Our Insurance Claims Adjuster Today!

Make sure you are fully informed when it comes to sewer backup insurance. You never know when you may need it. If your home has been damaged through some type of water damage, you have likely filed a claim with your insurance company. This can often take quite a bit of time, and some insurance claims even get denied or paid insufficiently, which is unsatisfying and can seem unfair. As an insurance backup insurance locals trust, we don’t sit around waiting to see how your insurance company is going to help you, we talk directly with them and let them know what exactly you are entitled to. Best of all you incur no fees unless you win! Call our insurance claims adjuster today for more information. We are located in Miami-Dade County. 

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