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Home Insurance Question from Harrisburg, Pennsylvania
Answer given on November 5, 2018
Most homeowner insurance policies do not cover damage to a sewer line or similar system unless it is within the home. However, any damage done by the system failure or backup is usually covered by the insurance policies, less your deductible. Th sewer line back up is considered a maintenance issue, not a "sudden and accidental" damage.
If you had sufficient damage to the basement area of your house, ask the adjuster to come out, or give you permission to have someone come out to determine the amount of damage to your basement area. Keep in mind that a claim on your homeowner policy can result in an increased premium due to the loss of a "claim free" discount. Make sure that the amount of damage you file a claim for is worth the possibility of losing the discount. The policy usually shows the amount of discount you are receiving so review that.
NOTE: The IMPORTANT NOTICE below is a part of this answer!
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