Will Flood Insurance Cover Damage From Sewer Leak?

A backed up or leaking sewer line is no fun. When something like this happens, you need to know what your options are. In Williamsburg, VA, the agents of Commonwealth Insurance Center can help you figure things out. They can look at your homeowners’ and flood insurance policies and determine if the damages are covered.

Homeowner’s Insurance

In most cases, your homeowners’ insurance won’t cover a backed-up sewer pipe or a gradual leak. It will, however, cover a burst pipe and any damages that it may have caused. You will have to. Notify your insurance agent and have them assess the damage to your property.

Flood Insurance

In some cases, a backed-up sewer me be caused by excessive flooding in your area. If the flooding results in your property being damaged by water and sewage, your flood insurance may cover the majority of the damage. Your agent will be able to assess the damage and help you file your claim.

Who’s Responsible?

If the utility company that maintains your sewer lines is at fault, they may be required to cover the cost of your repairs. This may be contingent on whether or not you have purchased their insurance to cover any damage t your property. You may want to contact them to find out if they offer such a policy.

At Commonwealth Insurance Center, every agent is able to assist clients in the Williamsburg, VA area with these types of claims. If you are dealing with a backed-up sewer line, call and speak to an agent today. They can find the answers to all of your questions and help you make the most of a bad situation.