What event triggers Sewer Back Up coverage?

Sewer Back Up coverage is specifically designed to address damage caused by the backup of sewers or drains, which can occur when there is an overwhelming pressure in the sewer system. This situation arises when the municipal sewer system is unable to handle the volume of water, leading to backup into residential properties. The pressure buildup caused by unusual circumstances, such as excessive rainfall or infrastructure issues, is a key factor that triggers this coverage.

While heavy rain causing flooding and blockages in a homeowner's plumbing system can lead to similar problems, those events typically fall under different types of coverage or may not be considered sewer backups under most homeowners' policies. Breaking of underground water pipes, on the other hand, pertains more to water damage than sewer backup specifically, as it does not necessarily involve the sewer system. Thus, the main focus of Sewer Back Up coverage is on conditions caused by the pressure in the street sewer system that can directly lead to water entering a home from the sewer lines.