Sewer backup property insurance claims are not only hazardous to your health, but they are also expensive to clean up. Many of our friends, past clients, and business associates have called our team at United Public Adjusters & Appraisers, Inc. to determine if we can get involved with managing the chaos, as they realize that sewer backup property insurance claims are difficult to manage. The problem is that the insurance company is either denying, delaying or underpaying their claims
Homeowner Sewer Backup Claims
Many homeowners believe that all types of property damage are covered within their insurance policy, but never spend the time to review their policy with its complicated insurance terminology which usually contains many limitations and exclusions. Depending on the policy and endorsements purchased, the homeowner may have no coverage for sewage back up, limited coverage ($5k or 5% of their dwelling limit) or no limit meaning they may have full coverage up to their building policy limits.
Commercial Sewer Backup Claims
Also, there is a difference between a homeowner’s policy and a commercial property policy as they have different forms that discuss coverage for a sewer back up. Our team handles many commercial property damage claims so we have referenced language found within the exclusion section of a policy: “Water that backs up or overflows or is otherwise discharged from a sewer, drain, sump, sump pump or related equipment”. Even though you may have an exclusion for a sewer back up, you may have purchased an endorsement for sewage back up which supersedes your exclusion.
As you can see, having a property loss and then trying to interpret your insurance policy can be complex which is why reaching out to a licensed public insurance adjuster like United Public Adjusters & Appraisers, Inc. is key to successful claim recovery. A Public Adjuster can only represent you the policyholder, never the insurance company. Call us at 1-800-718-5677 (LOSS) for a complimentary claim review.