Is damage caused by a blocked sewer covered by the building insurance?

Home insurance sewer, what leakage damage is covered?

There are different types of leakage damages imaginable, such as water damage. However, your insurer will not cover all water damage. Water damage caused by broken pipes, blockages, precipitation, waterbeds, refrigerators and aquariums is covered by most insurers. So the consequences of a clogged or broken sewer are generally eligible for compensation.

There are also a number of causes that cause leakage or water damage that the insurer will not reimburse. For example; bad caulk seams, open windows, groundwater and levee failure. These types of damages are either easily preventable or occur so infrequently that you have little to worry about.

How can you claim damage to your sewer with homeowners insurance?

If you experience sewer damage you can report it to your insurer. You do well to report the damage to the insurer as soon as possible. You claim damage by filling out a claim form. You can generally download the claim form from your insurer's website. Can't find the claim form? Then you can always contact the insurer by phone.

You help your insurer by taking pictures of the damage and sending them along. That way the insurer can properly assess the damage and pay you the correct amount. Also, in this case, you may have a damage expert come by to look at and record the damage. The expert will then determine how high the damage is and what the insurer can pay you.

Take out your building sewer insurance through Alpina: simple and affordable

Are you considering taking out building sewer insurance? Then take it out now through Alpina! Thanks to our years of experience, we can offer you the best insurance. Do you have any doubts or questions about our sewer building insurance? Feel free to contact our customer service. They are ready to answer all your questions.