HOMEOWNER'S INSURANCE USUALLY DOESN'T COVER SEWER BACKUP

DEAR BOB: The city sewer backed up into our home, causing extensive damages of about $15,000 to replace the carpets, flooring, and other components. Our homeowner's insurance company refuses to pay, pointing to an exclusion in the policy. The city says they are not liable. Do we have any recourse? --Nathan R.

DEAR NATHAN: Most homeowner's insurance policies no longer include coverage for sewer backups. Cities routinely reject sewer backup damage claims. However, you might want to consult a local attorney about suing the city if fault can be proven.

Where I live, the city recently enacted an ordinance requiring homeowners to install backflow valves to prevent sewer backups into homes. I am told a far cheaper remedy is to leave the cap on your sewer cleanout loose so any backup won't go into your home.

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Copyright 2006 Inman News