Is sewer backup insurance necessary?

Home Insurance Coverage Sewage Backup

Sewage backup damage is not as typical as repair water damage in a Houston Texas home.

Much of the time, we've seen sewage backup under what we call a soft pause. That means your drain pipe has a clog built of toilet paper or paper items. You must be careful what you put down your drains, as insurers can claim negligence, and you will be refused.

It's less regular now, but then it can get nasty! Nasty, not only dealing with feces everywhere but having coverage can get as nasty. We've seen sewage backup coverage everywhere. Make sure you add this to your policy. If you don't, you will be significantly upset and in deep poo-poo.

Most of these insurance companies cover sewage backups that destroy your home if it's a soft stop. When dealing with insurance providers, our favorite insurance companies treat homeowners fairly, offering even more coverage. These insurance companies can be rather tricky and commonly deny valid insurance claims:

State Farm insurance

State Farm is at the top of our list of worst insurance companies because they don't care for people, and for so many of our clients, we hear continued complaints. We've seen how State Farm openly denies perfectly valid claims. They made worst exceptions than any other insurance provider we've ever worked with for home sewage backup. Particularly water damage in Houston. If you have State Farm, you should consider immediately canceling the policy.

*State Farm does not replace sewer pipe.

Farmers Insurance Group

We found several denials from farmers. However, we also suggest you select a different insurance company for your property insurance policy. Insurance companies like Universal North America, Amica, and American National tend to pay valid claims.

*Farmers do not cover sewer replacement.

Liberty insurance

Liberty Mutual Insurance is an overall decent insurance provider, but they like nitpick claims and often find it hard to pay consumers fairly.

*Liberty Mutual does not protect replacement sewers

USAA Insurance

We feel USAA insurance is worse than Liberty insurance but not as bad as State Farm.

*USAA does not protect replacement sewers.

State of the nation

In our professional view, working with them on so many claims is the MOST complicated because we get so many clients' concerns on how they were handled. State Farm denies more claims than any other insurance firm.

Experts Sewage Safety Tip

A smart way to stop sewage backup is to install some auto clean caps that pop out. This alleviates sewage from coming into the home.

What's covered up

Dry it down
Demolishing damaged products
Floors
Painting, etc.
They must return your house to its original condition.

What isn't

There are some things we've seen refused when it comes to sewage insurance coverage.
Roots emerging inside the main sewer pipe outside your home's four walls are usually exposed. We've seen some insurance coverage, though.
We've never seen any insurance provider pay for plumbing bills other than leak detection services

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