Who Pays for Sewer Line Break Damage?
June 5, 2008

Q. I am fighting with my homeowners insurance company about coverage for damage from a sewer line break. Isn't that type of damage typically covered?

A. Most homeowners insurance policies do not provide protection for damage caused by a sewage or water backup. However, the good news is that for a nominal charge you can purchase added coverage for water and sewage backups. Check your policy to determine if you have an endorsement or rider adding this coverage. You should periodically review your homeowners insurance policy to make sure that you are adequately protected. Floods and earthquakes are also typically not covered. If you live in an area that is prone to floods or earthquakes, consider purchasing this coverage. Make sure that you are insured for the cost of rebuilding your house, as a number of insurance companies no longer provide guaranteed replacement value. If you own valuable items such as collectibles, jewelry, or antiques, consider purchasing a rider to cover these items. If you operate a business in your home, your policy probably provides limited property damage coverage and no busines liability coverage. Finally, and perhaps most importantly, for a nominal charge you can purchase an umbrella policy which will increase the liability coverage on your home and your automobiles. An umbrella policy is especially important for someone in a high paying profession who may be an easy target for a lawsuit.

If you have questions, please contact:
John Wise, Esquire

JWise@tandllaw.com