Sewers stink. One claim on Burleson Home Insurance policies that people can become really upset by if they aren't educated is when the sewer line backs up into the home. If an optional coverage called Sewer and Drain Backup is not included, the situation becomes a stinker in a big hurry!
When your sewer line backs up into your house, the key to a claim becomes where does the problem originate from prior to creating a scene. Did the clog occur inside or outside your foundation? Typically speaking, homeowners insurance will not cover anything outside your foundation without special endorsement. That means that sewer line that runs from the main in the street to your Johnson County home is not protected by your home insurance policy. That's where this optional coverage comes into play.
Sewer and Drain Backup will both clean up a mess from a clog AND repair that line in the event of collapse. As homes age and trees grow, the root system begins to proliferate. Those roots have a tendency to find their way to sewer piping and impact them. That's when the smelly stuff can become problematic! We are often asked how much of this coverage do I need? I've never heard anyone say I had too much when it makes it's presence known in your home. But we recommend $10,000 at a minimum and $25,000 if your home is older or on septic.
Insurance For Texans will always offer to include this optional coverage because it's that important. You don't want to deal with this kind of mess, and neither do we! As an Independent Insurance Agent, we have many options with companies that can make sure that you get this all important coverage along with other Optional Coverages. Make sure that the next time the toilet is flushed, you're covered for that unthinkable mess! Perform a home insurance policy review today to make sure that your home is properly protected.
