When a drain or sewer backs up, many people think insurance will cover the damage. But unless you have this extra coverage, it will deny your claim
If you find water on your lower level after one of those storms, you might assume your homeowners insurance, or flood insurance would cover that.Keith Vearil wants to share his story, as he now gets nervous every time it rains hard now outside the rental townhome he shares with his son.
"There were family photos on shelves. Furniture was ruined, electronics," he said."It was just an unbelievable mess." Cate Deventer, an insurance analyst with Bankrate.com, said a drain backup requires a special insurance add-on in most cases. She says backups usually occur in lower levels or crawl spaces"when it's raining really hard or when you've had a lot of rainy weather and your sump pump, if you have one, just can't keep up with the level of water."
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