When a drain or sewer backs up, many people think insurance will cover the damage. But unless you have this extra coverage, it will deny your claim
If you find water on your lower level after one of those storms, you might assume your homeowners' insurance or flood insurance would cover that. But not in the case of a sewer or drain backup, as one family found out the hard way.
But Vearil was stunned when his insurance refused to pay because they told him he didn't have either flood or drain backup insurance.Why your claim may be denied She says backups usually occur in lower levels or crawl spaces"when it's raining really hard or when you've had a lot of rainy weather and your sump pump, if you have one, just can't keep up with the level of water."
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