Is Your Home Or Business Insured For A Sewer Back-Up? It Not, Read These Risks

//Is Your Home Or Business Insured For A Sewer Back-Up? It Not, Read These Risks

Is Your Home Or Business Insured For A Sewer Back-Up? It Not, Read These Risks

Is Your Home Or Business Insured For A Sewer Back-Up? It Not, Read These Risks

Home Advisor states that the national average to remove water is $2596, but any contaminated material can run well over $10,000. Most insurance policies do not cover sewer back-ups, but the cost to restore a home after such an experience is well worth the annual insurance cost. When you add the expense of cleaning or replacing furniture, rugs, and drywall, it is an experience you never want to find yourself in financially. Possible health consequences may also exceed the high cost of repairs which is why you should pay attention to the signs to reduce these risks.

What Causes A Back-Up To Occur?

The most common reasons that back-ups occur is because of the issue with wastewater in your sewer or the septic system. Common culprits are tree roots, clogs, and damaged sewer lines.

  • Tree Roots

Trees need water and nutrients to survive which is why they often are found in pipes when trees are unable to find these sources nearby. While roots do not damage your water pipes structurally, they do find cracks and weakened surfaces to enter which causes further damage. Roots may also encircle water pipes which cause obstructions to occur.

  • Clogs

Clogs are often the most common reason why sewage back-ups occur. It is also the main way you can tell if a back-up is likely since you will experience issues with kitchen sink blockage, rising water during toilet flushes, and slow shower drainage. When you begin to see unusual drainage, it is a tell-tale sign that a major sewage line is blocked. Soon, the overflow will rise up in the drains, basement, and first floor home and business areas.

  • Deteriorated Sewer Lines

Over time, sewer lines made of certain materials tend to rust. They also tend to deteriorate quite quickly which leads to broken, fractured, and breached water lines. If you have not modernized your sewer system recently, there is a high likelihood that you will experience sewage leaks and back-ups which will also require new pipes anyway.

Do Sewer Leaks Pose Health Risks?

Sewage is dirty and smelly, but many people do not realize how many health issues occur after exposure to harmful germs, viruses, and bacteria. Not only can you contract a number of serious diseases after contact with the contaminated fluid, but you will become ill if you touch material that has come into sewage contact. You may also get infections if absorbed through sores or cuts.

How Does Sewage Damage Property?

Once your carpeting and drywall sit in the sewer for an extended time, it must be replaced. There is also a high probability that mold will grow and affect the integrity of the floors and insulation. Any furniture or appliances that are exposed will also need to be cleaned or replaced as well.

It is helpful to hire a professional like RestorePro to safely sanitize your home or business. Not only should flooring and insulation receive a check-up, but the plumbing and electric should also be in working order. Call us at 1-800-847-0114 or visit us on Facebook for more advice.

2018-09-25T16:20:36-04:00October 8th, 2018|News|