Making a Sewage Backup Claim

5/7/2022 (Permalink)

Sewage backup cleanup should be left for the professionals.

Steps To Take When Filing a Sewage Backup Claim

Did you know that most sewer backup claims are covered by homeowners’ insurance policies? If you are facing such a backup in your bathroom, you are probably not in the best state of mind and could use some help figuring out the claims process. Here are the three steps you should take when filing a sewage backup claim.

1. Contact your home insurance agent. Taking this first step is very important after facing a sewage disaster. Even though most policies cover these types of backups, you will need to be certain of the extent of your coverage and whether or not you have to pay a special deductible.

2. Get in touch with professionals in your area. You will likely need to contact a certified plumber to help with toilet and other sewer backup issues. You should also call a local Cincinnati, OH, water damage restoration company for help with salvaging and repairing any moisture damage that is present.

3. Keep good records of the restoration process. Take photos and keep a list of any damage, and make sure that you keep all of your receipts during repair and cleanup to show to your insurance company. After everything is fixed up, take even more photographs for your records and for insurance purposes.

If you follow these three basic steps, you will be in a better position to have your claim approved by the insurance company. Keep in mind that an adjuster will most likely need to see the property at some point to verify what kind of sewer backup damage is taking place. A water incident such as this is very stressful for any homeowner, but it can be less so if you take the time to put a claims plan in place and bring in the advice and assistance of local professionals who can help you get your home back in order.