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What is Water Backup & Restoration Insurance?

Water Backup & Restoration Insurance is a type of coverage that protects homeowners against water damage caused by water backing up through sewers or drains. This type of damage can occur due to heavy rain or other flooding events, and it can result in costly repairs to your home and personal property.

How Does It Work & What Does It Cover?

If you have water backup & restoration insurance, you'll be covered for certain types of water damage caused by sewer or drain backups. This may include damage to your home's foundation, walls, flooring, and personal belongings. Once a claim is made, homeowners will be reimbursed for repairs and replacement costs of building materials and certain possessions lost as a result of water backup damage. While a storm may bring flooding or water backup, this type of insurance doesn't cover repairs to roofing or siding - for that you'll want a roofing and siding matching plan.

The Claims Process: 

After filing a claim, an insurance adjuster from the insuring company will assess the damage and determine the appropriate amount of compensation. The insured will receive a payout for the cost of repairs, up to the limits of your policy. Keep in mind that there may be exclusions and deductibles associated with your policy, so it's important to read the fine print carefully.

Learn More about water backup Insurance

Why Invest in Water Backup & Restoration Insurance?

If you live in an area at risk for flooding, like a floodplain or an area with higher-than-average rainfall, the chances of experiencing water damage are higher than they would be in other areas. Even if you take steps to prevent water damage - like installing a sump pump, improving drainage or raising your home's foundation - there's still a risk that water could enter your home through sewers or drains. This risk of sewer backup is especially high in areas with older sewage networks, where sanitary sewage overflow results from too much water rapidly introduced into a system.

Protect Your Possessions 

All water damage can be devastating, both emotionally and financially. It can cause extensive damage to floors and walls, electrical systems, furniture and more, sometimes rendering a home unlivable. Even if damages can be repaired, the costs can be astronomical. Personal property is often lost or destroyed in flooding events, requiring replacement and additional costs. Homeowners with water backup & restoration insurance can rest easier knowing that while not everything can be restored in a flood, strong coverage can reduce financial hardships and put homeowners back on a path to wholeness as soon as possible.

Water Backup Damage Is Expensive

While the average costs of repair for ALL types of home water damage exceeds $7000, sanitary sewer overflows and backups often require more cleanup and cause worse damage. Without understanding your standing homeowners policy, you run the risk of getting caught up the sewage river without a paddle. Consulting with experts like Ansay & Associates is the answer.

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Get Informed

Careful! - Your Homeowner Policy May Not Hold (flood) Water

You might be wondering what the difference is between water backup and standard flood insurance…While most homeowners insurance provides coverage for certain types of water damage (roof leaks, minor plumbing issues), many do not have protection against drainage and sewer backups. These types of sanitary sewer overflows (SSOs) and combined sewer backups have been found to occur over 400,000 times per year in the United States, with some estimating a 3% increase annually.

What's your risk?

Consult with Ansay & Associates

Our team understands the risks associated with homeownership, particularly when it comes to floods. We provide comprehensive water backup & restoration insurance options from a range of top providers to protect homeowners from the financial burden of water damage. Our insurance professionals will help you find the right policy for your needs and answer any questions you may have about the limitations of your existing coverage and how to supplement it, if necessary.

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