Sewer Backup and Water Damage: Will Insurance Cover It?

• According to the Insurance Information Institute, the average cost of sewer backup damage can exceed $10,000, and these claims are rising due to aging infrastructure and climate change increasing storm severity.

  
  

Few things are more unpleasant—or damaging—than a sewer backup in your home. It can destroy flooring, walls, furniture, and leave behind a toxic mess. And while your first concern may be cleanup, the next critical question is, “Will my homeowners insurance cover this?”

The answer depends on your policy. At Local Restore Pro, we’ve helped many homeowners navigate sewer backup damage and the often-complicated insurance process that comes with it. Sign Up for FREE consultation here.

What Causes Sewer Backup?

Sewer backups can happen for several reasons:

• Blocked or collapsed sewer lines

• Tree roots infiltrating pipes

• Heavy rain or flooding overwhelming city systems

• Old or deteriorated plumbing

The damage is often immediate and extensive, especially when water backs up through drains or toilets.

Does Homeowners Insurance Cover Sewer Backups?

Standard homeowners insurance policies usually do not cover sewer backup damage. It’s typically considered a maintenance issue or excluded hazard. However, many insurers offer an optional sewer or water backup rider that you can add to your policy for an additional fee.

What Backup Insurance Typically Covers

If you have the optional sewer backup coverage, it often includes:

• Cleanup and restoration of affected areas

• Replacement of damaged flooring, drywall, and belongings

• Mold remediation (if it results from the backup)

• Temporary relocation expenses if the home is uninhabitable

  
  

What It Might Not Cover

Even with sewer backup insurance, you may not be covered if:

• The damage is due to poor maintenance (clogged sump pump, ignored warnings)

• You delayed reporting the issue

• You already had known plumbing issues you failed to address

Always check your policy’s exclusions and limitations.

What to Do If You Experience a Sewer Backup

1. Act Quickly and Safely Turn off electrical power in affected areas and evacuate if there’s standing contaminated water.

2. Contact Your Insurance Company Report the backup immediately and ask if you have coverage for sewer or drain backups.

3. Call a Professional Restoration Company Local Restore Pro specializes in safe, certified sewer backup cleanup and restoration. We also help with insurance documentation to support your claim. Sign up for FREE consultation here.

4. Document the Damage Take photos, list damaged items, and keep all repair receipts. Prompt and complete documentation is key to maximizing your insurance reimbursement.

Don’t Wait Until It Happens—Check Your Coverage Today

Sewer backup damage is expensive and hazardous. If you’re unsure whether you have the right insurance coverage, now is the time to find out. And if disaster strikes, having the right team on your side can make all the difference.

Need help with sewer backup cleanup or filing a claim? Fill out the form below for a FREE inspection and consultation from Local Restore Pro.