Have you ever had water backup into your home? Most people don’t think about it, but do you know what happens to all of the water you pour, flush, and empty into your drains? Those pipes go through and then under your slab foundation. If you own a home in Denton, Texas or anywhere else in the state, you’re probably familiar with the fact that the ground moves and sometimes causes your foundation to shift as well. Occasionally when that happens the drain pipes that are supposed to be moving water away from your home into the public sewer system get blocked by debris or the pipe actually breaks causing the water in the drain pipe to reverse direction and go back into your home. This is called water backup and it’s not pretty!
Another scenario that I’ve seen with my clients is a large tree is close to the drain line that goes through the front yard and when the tree falls, the impact of the fall or the roots that are tied up with the drain line cause the sewer drain line to break causing a backup.
This water backup or overflow coverage can really be a messy issue which is why I always add this coverage as a default on a HO-3 homeowners policy when I’m offering it to a client. Most people don’t realize that this coverage is not automatic on most policies and has to be added as extra coverage. It’s really not very expensive since it’s usually providing anywhere from $2,500 to $25,000 in coverage.
Another coverage that needs to be considered on most policies is foundation water damage coverage, but we’ll cover that later in a different post.
When you’re serious about having a professional talk to you about your home insurance needs, call David at 940-268-5112 today!