Sewer Backup Insurance Claim: How to Document It, File It, and Fight a Low Settlement
Sewer backups are classified as Category 3 “black water” events, requiring strict contamination protocols and material removal rather than just drying. Most standard policies do not cover backups automatically. They require a specific endorsement which often comes with strict sub-limits like $5,000 or $10,000. Proper documentation from a licensed plumber stating the exact origin and … Read more