Reduce Your Risk of Sewer & Drain Backups!
Municipalities, or local cities and towns, are responsible for proper cleaning and maintenance of city sewage systems. In situations where sewer lines get backed up, or blocked, water can run back into homes. Unfortunately, most homeowner and business insurance policies do not cover sewer back up unless specific coverage is applied.
With the possibility of sewage backups occurring, it is crucial to follow the steps below to help contribute to lowering your risk:
Dispose of Paper Products Properly
Toilet tissue is specially made to deteriorate in water, but not all paper products carry the same trait! Make sure to dispose of paper towels, napkins, tissues, and other products into the correct trash or recycling bin. Without the ability to deteriorate, other paper products can and will clog your toilet pipes. The toilet can especially be a fascinating place for toddlers and young children. Make sure they know that the potty isn’t a bathtub for their "blanket" too!
Plastic Pipes for Growth Protection
In terms of effective piping, plastic pipes are the most reliable and durable when preventing trees and roots from entering your waterways. Excess branches, roots, and trees can severely clog and damage sewer pipes in your yard. Consider replacing your old, expired lateral pipes with new plastic ones to help in your fight against sewer backups! Some specific trees known to cause piping damage include: Poplars, Willows, Figs, Rubber Trees, and Eucalyptus, as well as the Fruitless Mulberry.
Watch Cooking Oil Draining
When hot oil is dumped down your kitchen drain, it will eventually cool down and solidify in the pipes. Although not an immediate issue, overtime, solidified cooking oil can cause major blocking of sewer piping. For aspiring chefs, or a quick-meal college student, make sure to put oil in a container and dispose of it properly.
How to file a claim:
Like most people, without a sewer backup policy in their coverage, many don’t look into information until it’s too late. If you are behind the curve and have had a problem, take a look at these tips:
There are a few steps you want to follow for fixing a sewer backup problem. In regards to the actual damage, make sure to turn off all electricity before touching or cleaning standing water. Sewer backups are shocking enough as it is!
Try and do your best to take before and after photos of the damage for insurance claim purposes, as well as finding lost or damaged items that occurred in the process.
Stopping a sewer backup won’t always be in your power, but following these steps will greatly lower your risk to help keep your family and your home safe.
Check out our previous blog 7 Homeowners Insurance Policy ’Must Haves’ for more details on this covereage option and several others that you may want to consider! Give us a call today if you would like to review your coverages or have any questions- 610-269-4500.