The Ins and Outs of Homeowners Insurance and Sewer Backup
Does Standard Homeowners Insurance Cover Sewer Backup? The straightforward answer is no. Standard homeowners insurance policies—whether written on a typical HO-3 or an expanded HO-5 policy form—contain explicit exclusions for damage caused by water or sewage backing up through sewers, drains, or sump pump systems. If wastewater flows backward out of your basement floor drain, […]
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