Few things are worse than waking up to sewage in your home. It’s not pleasant to think about, but a little prevention goes a long way.

What is a sewer backup? 

If your plumbing is working as it should be, the sewer pipes in your home will regularly carry dirty water out. This water could come from your sinks, your shower or your toilet, but unfortunately, sometimes the system breaks down. We call that sewer backup, also known as sewage backup.

Put simply, sewer backups are when a pipe breaks or gets clogged and wastewater is blocked or unable to leave your house. This can lead to every homeowner’s worst nightmare: flooding, and wastewater flooding at that.

Water damages everything it touches – floors, walls, furniture and electrical infrastructure. Now that you know what it is, you need to know how to prevent sewer backup and protect your home, yourself and your family.

Common causes of sewer backups

There are several common causes of sewer backups that can explain plumbing problems:

• Aging sewer systems. How old is too old? Well, that depends on the kind of pipes you have. A good rule of thumb is to expect about 50-60 years from clay pipes and up to 100 years for cast iron or PVC. 
• Combined pipelines. This is exactly what it sounds like. These combine your home’s sewage as well as rainwater, or storm runoff. It’s unlikely, but not impossible, for you to have this type of pipeline at home. 
• Sanitary main blockages. For better or worse, these blockages are out of your hands. They occur somewhere past your home, after your wastewater has combined with that of your neighbors. Your city is responsible for these pipes and their repairs.  

What type of insurance covers sewer backups? 

Whether or not your home is in a major flood zone, there’s still cause to be concerned about flooding from sewage backup. In fact, most home floods that occur are located outside of a flood zone.

One of the questions we get the most is, if you were unable to prevent a sewer backup, will your insurance policy cover it? And unfortunately, the answer is: not likely.

Sewer backup typically isn’t covered by a homeowners or flood policy. You can have a water/sewer backup endorsement added to the policy that will cover these problems and, while it does cost more, it’s a minimal increase that generally gets you $5-$25,000 in coverage.

There is some good news though. Homeowners insurance may provide Loss of Use Coverage that can be used to take care of living expenses like food and lodging should your home be deemed uninhabitable for some types of sudden and accidental water damage, though you will need a special rider to pay for the damages and repairs resulting from sewage backup.