High and Dry After Flood Damage

Repairing the damage done to your home after a flood can look like an overwhelming job. In most cases, it’s best to seek out the services of a professional flood damage restoration team. But when my home flooded a few years ago, I found out that there were some things that I could do myself. Books, clothes, and even furniture can recover from water damage under the right circumstances. Knowing how to prevent mold, and remove it when you find it, can also come in handy after a flood. I know that it can be a devastating event for a family. That’s why I started this blog – to share my experience with flood damage and share the things that I learned that helped me put my home back together. With both professional help, and amateur ideas, hopefully you can learn something useful from my experience.

Insurance Coverage When Your Sewer Floods Or Fails

Construction & Contractors Blog

It is estimated that almost 20 percent of Americans depend on an individual septic or onsite system to take care of the waste water in their homes and businesses. It is also estimated that about 10 to 20 percent of these systems fail each year. This could be as a result of climatic/environmental conditions, lack of proper maintenance or a variety of other man-made issues that can cause the sump pump to fail.  

Since about 97 percent of homeowners and 34 percent of renters have home insurance respectively, it should be a simple matter to claim for damages when a sump pump fails or your sewer backs up and floods the home. However, even if you have an "all perils" insurance coverage this does not guarantee restitution if your septic system should get flooded and you end up with black-water all over your furnishings or damages to your electronics and electrical systems.

So here are two suggestions of what to do to ensure you can claim for insurance from damage from a failed sump pump or flooded septic system.

Cover your assets

Be sure to check what you are actually covered for in your homeowner's insurance policy. You need to read the list of things in the exclusions section of your policy so that you are aware before there is an actual flood. A typical homeowner's policy can cost between $500 and $1000 depending on the deductible that you are comfortable paying. Get extra coverage for flooding either through additional premium paid through your insurance company or join federal flood coverage if your area qualifies for it. Flood coverage however, only covers damages from flooding, can only be purchased through an agent and usually stipulates a full 30-day waiting period between purchase and activation of the coverage.

In order to be properly compensated for the damages to the contents of your home, you need to have a complete inventory of the contents that are kept up-to-date to include recent purchases. Approximately 59 percent of Americans do not have a home inventory and this can lead to inadequate coverage. In addition to a proper inventory you also need to have receipts for the items as well as photos and backup copies of the inventory that is kept off the property.

Cover your bases

It is the responsibility of the homeowner to ensure that regular maintenance is done on the septic system and the sewer pump that has been installed in the home. While it is estimated that at least 60 percent of all homes in America have either suffered from or will suffer from some form of underground wetness that affects the home, from an insurance standpoint this should not be due to owner negligence. Maintenance, especially of the sump pump includes ensuring that your sump pump is protected from power failures or surges, getting the correct pump size for the household it serves and regular checks for efficiency at least every 2 to 3 months.

When filing an insurance claim it can be beneficial to you to take pictures of the damage that can be compared to the photos in your inventory. Contact your insurance agent as soon as possible following the back-up damage and make sure to include a claim for 'loss of use" if you have to evacuate your home. This should reimburse you for the expenses incurred in staying at another location due to the damages in your home. Finally, ensure that you make copies of and keep all receipts from repairs and cleaning that you have had done. 

To learn more, contact a sewer pump repair company like, Forrest Sewer Pump Service

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9 July 2015