Is Sewer Backup Covered by Insurance?

Sewer backups can cause extensive damage to homes and businesses. Sewer backups are unpleasant and can occur at any time. A sewer backup must be immediately and effectively cleaned and repaired once the issue has been noticed in order to minimize damages. These damages can be difficult and expensive to repair, as most home owners and business owners do not budget for sewer backup damages. Understanding whether your policy covers sewer backup is essential to minimizing out of pocket expenses. The expenses incurred in keeping your property maintained might be included your insurance, depending on your coverage.

Insurance Coverage On Sewer Backup

It should be noted that sewer backup is the responsibility of the homeowner or business owner. You are responsible for the maintenance and repair of their sewer lateral, which is the pipeline between the city’s sanitary sewer main. We recommend constantly looking out for signs that may indicate there is a clog. The most common cause of sewer damage is a blockage in the sewer pipe, which is connected to the sanitary sewer on the street. A blockage can occur for many reasons including:

  • Tree roots
  • Oil or grease built up in the pipe
  • Disposal of items including diapers, garbage, sanitary napkins
  • Structural concerns due to old sanitary sewer laterals

We Work with Your Insurance

At Canada’s Restoration Services, we work with every insurance company across Canada. We will directly bill your insurance and assist with you the process to make it as quick and easy for you as possible. We understand that dealing with an unexpected and unpleasant water damage can be stressful.

Once a sewer backup has occurred in your property, contact Canada’s Restoration Services. Sewage contains both organic and inorganic matter, human waste and garbage that is dangerous to your health. A sewer backup can lead to disease, destruction and damage to your personal belongings and valuables. We operate 24/7 and guarantee to be on site within 45 minutes for all emergencies.


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