Are there differences in flood & sewer insurance?

7/12/2021 (Permalink)

Two sewage pipes draining into what looks like more contained water with the SERVPRO logo on top of the photo

Yes, below we’ve described some differences in flood and sewer backup insurance.

Sewer Insurance: Most homeowners insurance policies come with an endorsement for water backup and sump discharge which will cover losses, up to a certain limit, caused by the backup of water or waterborne materials through a sewer or through a drain. It will also cover water or waterborne material that overflows from a sump, even if the backup of water is due to the mechanical breakdown of the sump pump. Coverage includes damage to property but excludes the sump pump and any related equipment that has broken down.

Flood Insurance: is a type of property insurance that covers a dwelling for losses sustained by water damage specifically due to flooding caused by heavy or prolonged rain, melting snow, coastal storm surges, blocked storm drainage systems or levee dam failure.

Our highly trained restoration technicians are prepared to respond immediately to flood or water damage at your property. We have experience, expertise, and training to restore your home or business quickly and properly. 

From Mentone to Bridgeport, Collinsville to Woodville, Ider to Geraldine, or Fort Payne to Scottsboro, we are proud to operate in your neighborhood. 256-259-4333