Do I Need Water and Sewage Back-Up Coverage Insurance?
Whenever the weather shifts in the Midwest from beautiful sunny days, to cold, rainy ones, the number one question that I get asked from my customers is, “Do I need water and sewage back-up coverage on my insurance policy?”
I always tell these customers to imagine this.
Imagine that you wake up to 3 to 4 feet of water and sewage backed up in your basement? The water damages the furnace and all of your belongings that are stored in the basement. Your sofas, exercise equipment, television, Christmas decorations, etc…all damaged.
Furthermore, the drywall and flooring needs to be replaced, furniture is too damaged to salvage, and the cost of clean-up is expensive. Sewage and water also causes damage to utilities, such as your gas and electric. The sewage contains bacteria, viruses and other organisms that could cause illness. Even electrocution is a possibility in situations such as this. Therefore, you need to hire a professional restoration company because of these issues and dangers.
Unfortunately, most homeowner’s insurance policies do not automatically include this coverage in a policy for this type of loss. But, the good news is that water and sewer back-up & sump-pump/ejector pump failure coverage can be purchased under your homeowner’s policy and it’s reasonably priced.
As with all of our customers, we recommend that the endorsement be added to your policy even if you have an unfinished basement; water and sewer back-up & sump-pump/ejector pump failure is one of the most common homeowner’s claims.
Having a water and sewer back-up & sump-pump/ejector pump failure coverage endorsement provides coverage for the damage to the home and personal property, as well as the cost for a restoration company to clean up the damage.
Should you ever be unfortunate enough to experience a water and sewer back-up & sump-pump/ejector pump failure incident, please call Langlois Insurance Agency immediately at #815-485-6676. We can provide a recommendation for a reputable water restoration company to ensure your home is back to its former self as quickly as possible.
Please note that insurance endorsements vary by company. Please contact Langlois Insurance Agency to carefully review coverage, exclusions, limits, and costs specific to your policy.
We always love to hear from our customers!