Understanding The Difference Between Flood And Sewer Backup Insurance

Summer storms have already wreaked havoc and caused flooding in many parts of the country.  Damage to a home or business can be extensive when flood waters enter a property and they are also sometimes associated with backed up sewers. For property owners facing a property damage claim, the type of water damage can mean the difference between coverage and facing the cost of repairs on their own.

Most standard insurance policies will not cover losses due to flood damage unless the policy holder has obtained flood insurance.  In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves from flood damage. The NFIP offers flood insurance to homeowners, renters and business owners through dozens of insurance companies.

Sewer backups or sanitary sewer overflows can be caused by a wide range of issues.  These frequently are due to blockages in the sewer lateral or sanitary main, and in some circumstances, due to flooding events.  As is the case with insurance coverage for flooding, most insurance policies do not cover a sewer backup unless specific coverage has been obtained by the policy holder.  This coverage is typically available for a nominal annual fee.

“Understanding the types of coverage you have for your home or business is essential for protecting your property in the event of flooding or a sewer backup,” said Douglas Waldie, President of Hudson Douglas Public Adjusters, LLC.  “Flood insurance and sewer backup coverage is a smart investment for many property owners.  For those faced with any type of water damage, ourproperty and insurance experts can provide assistance at a moment’s notice.  Hudson Douglas Public Adjusters only represents policy holders and never works on the behalf of insurance companies. This means our clients can expect to obtain the most accurate and complete settlement possible so they can rebuild their homes and businesses.”