Water Backup Insurance

Water Backup Insurance

Author: Chris Massie May 2, 2023

In our 35 years of experience, we have helped a lot of different people, and we have seen a lot of different situations. One issue we have seen many times is a lack of proper insurance coverage. This post is about looking at Water Backup Insurance.

Insurance can be an overwhelming topic to many, yet it is one way to prepare for a future emergency. Many times we setup our insurance policy for our present situations, and we fail to add additional coverage when we probably should as the years progress. Other times we misunderstand what the terms mean, and we are not as covered in a situation as we expected to be.

One of those issues revolves around Water Backup Insurance. Check out this article for a more in-depth explanation.

What is Water Backup Insurance?

For many homes, insurance policies will cover the expenses when there is a natural disaster which results in an emergency in your home. Flood insurance is one of those disasters that can help cover your costs for cleanup and repair. However, sometimes the wording excludes water that backs up in your pipes or drains, even if there was a flood outside your home.

Here is why you could be responsible for the costs of cleanup and repair even if you have flood insurance. As a home owner, you are responsible for maintaining the lines from your home to the city’s sewer main. If there is a blockage in the lines you are responsible for, without having Water Backup Insurance added on to your policy, you could be the one footing the bill for the cleanup and repairs.

Are you at risk for needing Water Backup Insurance?

It is possible you do not need this additional type of insurance to cover you in a water emergency. Our experience has shown that your home may be at risk of water backup if:

  • Your city’s sewer system is old. Municipal wastewater pipes in the U.S. are about 50 years old on average, which means they’re efficiency is slowing down.
  • Your home is older. As a home ages, its piping and drainage systems tend to degrade.
  • You have a basement. Basements make a home more vulnerable to water backup damage.
  • You have trees near your home. Roots that seek out water can grow into sewer lines and cause blockages or damage.

What should you do?

Here is our advice: Have a clear conversation with your insurance agent to ensure you fully understand what your policy covers and what it does not cover. You can then decide if the coverage you have is enough or if you need to add more to lower your risk in the case of an emergency. Adding Water Backup Insurance usually is a much more affordable option that taking on all of the risk of paying for the cleanup and repairs out of your own pocket.


When you find yourself facing a Water Backup in your home, do these two things immediately:

  1. Call your insurance agent to file a claim for cleanup and repairs.
  2. Call us at Swartz Restoration. We will dryout your home, cleanup the water damage, and rebuild your home if necessary.