Why Do Most Homeowners Insurances Exclude Coverage for Sewer or Drain Water Backup?
Water backup losses are extremely common but preventable with maintenance and preventative measures by the homeowner. Water losses from plugged up toilets and clogged up drains can be prevented or minimized when home owners are observant and promptly repair sticking toilet bowls and clogged, slow running drains.
Water systems require periodic maintenance or reinvestment by the homeowner. Over time, every water drainage system becomes restricted with rust, deposits and accumulated debris. Drain fields become saturated and tree roots interfere with drainage. Without preventative maintenance, slow running drains won’t handle normal water flow or plug up completely.
Off premises sewage backups can be prevented with the installation of drain backflow preventers that are installed on your drain line. Unfortunately, many older homes did not have these preventers installed.
During flooding the water table rises and first causes water backup through sewers and drains. Since “flood” is an excluded coverage, the unendorsed homeowners insurance policy has this exclusion.
This coverage provides extra liability limits over an Umbrella policy. This coverage typically follows the terms of the first underlying insurance policy.
Higher limits may be necessary for businesses with high loss potential, high profile, sizable sales, numerous assets, large auto fleets, worldwide presence, significant public exposure.
Talk to ALLIANCES INSURANCE AGENCY, LLC today about your business operations and we can advise you what kind of liability coverage you need to protect yourself and your company. Just give us a call at (267) 614-4234 and we’ll help make sure you’re covered.
If a flood is likely in your area, quick action may be necessary to protect your family and property.
Get information from the radio or television.
Move immediately to higher ground if there is any possibility of a flash flood. Do not wait for instructions to move.
If you need to evacuate, secure your home and move essential items to an upper floor. Turn off utilities if instructed to do so, and disconnect electrical appliances. However, do not touch electrical equipment if you are wet or standing in water.
Do not walk through moving water — it can make you fall. Use a stick to check the firmness of the ground in front of you.
Do not drive into flooded areas. If you are caught in your vehicle in floodwater, abandon your car and move to higher ground if you can do so safely.
If you have evacuated your home, do not return until authorities tell you it is safe.
Broadly speaking, insurance covers you for potential loss resulting from risks such as burglary or theft, severe storms, fire and also your personal liability.
Your home liability coverage protects you in the event that someone is injured on your premises or you are responsible for damage to someone else’s property. For example, if you failed to remove a tree known to be diseased, and it fell on your neighbor’s car, you may be held liable for the damage due to negligence. Note that liability insurance will not cover acts of violence or intentional damage.
Your liability insurance policy would also typically provide coverage if:
Your child throws a baseball through the neighbor’s window
Your dog bites a visitor to your home
A visitor is injured on your backyard swing set or trampoline, or by falling on your icy sidewalk
If a liability claim is filed against you, it may result in your insurance paying for property repairs, medical or funeral costs, or even a lawsuit if the injured party chooses to launch a legal process.
When evaluating the amount of liability coverage that makes the most sense for you, be sure to fully discuss your limits and deductibles with your agent. Take time to understand your risks, and determine whether you will be well covered in various circumstances. In the event of a disaster, the costs of recovering can devastate household finances. Quality home insurance can make a difficult situation bearable and help you get your life back on track.
To find out how to get the best price and value on homeowners for you, call Alliances Insurance Agency, LLC at 267.614.4234×