A sewer backup happens when a waste line becomes clogged, allowing wastewater to back up into the home. In the United States of America:
Sewer backup damage in the home is estimated to cost between $2,000 and $10,000 in out-of-pocket expenses. Actual costs can be much higher when personal property and dwelling damage are considered. (waterdamagedefense.com)
Properly dispose of household waste, install a backup water valve, inspect and trim tree roots growing near the sewer line, and add more water to ensure waste moves into your septic tank or city sewer line to prevent sewer backups in the home.
A sewage or sewer backup occurs when subsurface water enters your home through the sewer or drainage system, such as your toilet, sinks, or shower. A sewer backup can occur as a result of pipe deterioration, tree roots infiltrating the line, or improper disposal of sanitary products, toilet paper, rags, fat, grease, or oil.
Inadequately diverting downspouts, stormwater, or groundwater into the sewer system can also result in sewer backup into the home due to an excess of water overwhelming the drainage system. The private line on the property is frequently the source, but the sanitary sewer system can occasionally overflow and backfill into the public line and private homes.
When is the City Responsible for Sewer Lines?
The city's responsibility usually starts at the main sewer line, which is located beyond your private property lines. The sewer line on your property, including the upper and lower lateral lines, is usually your responsibility. Even if this line extends beyond your property, you are typically responsible for it until it connects to the main sewer line.
There are several steps that homeowners, renters, and property owners can take to avoid a sewer backup:
The most common causes of sewer backups in the home are usually errors made by the homeowner or tenant. A sewer line backup is most commonly caused by:
According to the EPA, the average age of sewer lines in the United States is 33 years. Sewer backups into the home from the main sewer line can also be caused by aging infrastructure.
Depending on the extent of the backup, sewer backups can cause damage to your home and belongings. Not only is the cleanup time-consuming and unpleasant, but replacing expensive bathroom and kitchen cabinets and fixtures can be costly.
Mold could grow in your home if the water is not cleaned up quickly and thoroughly. Wastewater can also contain bacteria, parasites, viruses, and other toxins that can cause serious illness in you and your family.
Even if there is no damage to the home or belongings, repairing a sewer backup can be costly. Estimates for cleanup and restoration range from $2,000 to $10,000, and it can quickly become expensive if there is additional damage, such as:
If all of these things occur, the sewer backup would cost at least $10,000, not including cleanup and restoration costs. Other types of damage are possible.
What does sewer backup insurance cover?
A home insurance policy's sewer backup coverage pays for accidental direct physical loss to your dwelling or personal property. Exact coverage limits vary by carrier, and almost all providers require this coverage to be added as an optional endorsement to your homeowners policy. When purchasing sewer backup insurance, consider the coverage limits, which limit how much the insurance company will pay in the event of a backup. Given the high cost of sewer backups, sewer backup insurance is probably worth investigating, especially if you live in an older home or area where the sewer lines are likely to be older as well.
If not cleaned up immediately, a sewer backup can cause damage to your home and belongings as well as mold and disease. There are some things you can have a professional do (or some you may be able to do yourself) to prevent further damage and disease exposure:
Clogged pipes from household materials, tree roots, or pipe failures are the most common causes of sewer backups. Avoid flushing anything other than toilet paper and putting fats, oils, grease, and other clogging materials down drains. If a sewer backup occurs, photograph the damage to document it and begin cleanup as soon as possible to avoid illness and further damage.