Sewage damage and insurance coverage

11/15/2021 (Permalink)

If you live on a city street, your sewer line is probably shared with your neighbor. This means sewer backups will usually not be covered, as the damage came from somewhere other than inside your home. Check your policy carefully as sewage damage is one grey area that varies with different insurance companies. Some don’t cover it at all, some cover structure only (no contents) at a limited amount, and a few companies cover everything. Often the city workers will tell you that the damage was their fault. The city insurance adjuster often does not agree with this statement and coverage becomes an issue. Whether it is covered or not, the sewage needs cleaned up and the experts at SERVPRO of Manistee, Ludington, and Cadillac can help. Give us a call at 877-350-48782.