04/06/2026
Most people assume sewer backup is covered under their homeowners policy…
It’s not.
It has to be added as an endorsement.
If the damage is caused by a sewer backup and you don’t have the endorsement, there’s a good chance things like carpet, drywall, and flooring won’t be covered.
It’s usually inexpensive to add…
but very expensive not to have.
*Coverage varies by carrier and policy. This is general information and not a guarantee of coverage.