Sewer Backup: Background
Sewer Backup is a special type of flooding that you could face in your home. Typically, the reason for it is an overflow of the city/municipal sewage system when it cannot deal with the inflow of water. This could be due to melting snow, heavy rain falls etc., and thus sends water back into the houses. It can be quite an ugly event given the fact that you get a lot of water mixed with dirt and bacteria flowing back into your home. This typically requires a sophisticated cleaning and substitution of numerous belongings and home elements (carpets, furniture, floors etc.). In many cases this would require the involvement of a dedicated restoration team.
Sources: Winnipeg Free Press, CBC, National Post
Sewer Backup Insurance Tips
It is very important to know that most policies do not include sewer backup insurance and this coverage must be bought in addition to a home insurance policy. This coverage is also referred to as a sewer backup rider (endorsement), and typically the costs are relatively low. It is highly recommended to get this protection for your peace of mind. If you already have a home insurance policy, make sure that you review your policy or contact your insurer/insurance broker, to find out if you have sewer backup insurance.
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