A sewer backup can cause a stinky mess and plenty of damage, which may or may not be covered by your condo insurance or the "Master" insurance policy for the condo complex.
Damage Caused By Sewer Backup
Sewer backup can damage your condominium and your personal belongings. You may face cleanup costs and water damage costs, such as needing to replace your carpet and pad, repair flooring, and fix water damage to cabinets, walls, and furniture.
The situations that may come up are complicated, such as:
- The toilet or bathtub drain in a unit above yours gets stopped up, and water seeps down to damage your ceiling and into the spaces between your walls.
- A sewer main breaks in the street in front of your condo complex and the water floods the property, causing damage to common areas.
- Tree roots block the pipes that carry wastewater from the condo units to the main sewer in the street.
Condo Insurance Review
At Insurance Source Solutions in Oklahoma City, Oklahoma, we recommend working with your insurance agent to get a condo insurance review to understand what types of sewer problems may be covered by the Master policy for the building, what things may be covered by your unit’s insurance, and where additional insurance coverage may be needed.
For added protection, you will want to have a sewer and drain backup endorsement that specifically addresses some of these issues. If your unit is on the ground level, you probably should have flood insurance too, because sewer protection does not cover things like rising groundwater, storm surge, or surface water.
A storm may cause a flood that causes a backup of the city sewer system. However, that problem needs flood insurance. Be certain you have adequate protection and sufficient policy limits.
Reach out to us at Insurance Source Solutions for all your condo insurance needs. Serving all of Oklahoma with an office in Oklahoma City.
