Heavy rainfall can overwhelm home sewer systems and sump pumps, causing sewer backups that flood basements. Old sewer systems, tree roots, and blocked lines can all contribute to backups. While the causes may be out of homeowners' control, insurance can provide peace of mind for flood damage. Homeowners are responsible for sewer lines from their home to the main line, so they should contact local authorities about insuring these lines, though insurance does not cover line maintenance or repairs.

1. HEAVY RAIN
A heavy rainstorm that overwhelms your home’s sewer system or your sump pump’s
ability to handle the water runoff.
SEWER BACKUPS CAN RESULT FROM VARIOUS SOURCES.

2. POSING A SAFETY AND
HEALTH HAZARD
A DOMINO EFFECT IS CAUSED BY THE INABILITY TO HANDLE WATER RUNOFF
BASEMENT FLOODINGPLUMBING OVERFLOW

3. Many older homes and communities are
faced with aging sewer systems, combined
pipelines, tree root infiltration, and even
blocked municipal lines.
While many of these causes are not
directly within the homeowners control,
having the protection for this type of loss
can provide some peace of mind.

4. Maintenance & Repair
It is important to note that the homeowner is responsible for the pipeline that runs from
their house to the main sewer line. Because of this, we encourage you to contact your
borough or township’s Water and Sewer Authority to see if any additional insurance for this
pipeline is available.
WHILE INSURANCE PROTECTION IS AVAILABLE FOR THE DAMAGE CAUSED BY THE
SEWER BACKUP, THE ACTUAL MAINTENANCE AND REPAIR OF THE SEWER LINE IS NOT
COVERED IN A HOMEOWNER POLICY.