Most homeowners assume that if water damages their home, their homeowners insurance will automatically cover it.

Unfortunately, that's not always the case.

One of the most misunderstood insurance coverages is Sewer Backup Coverage, and many homeowners don't realize they need it until it's too late.

A sewer backup occurs when water or sewage backs up into your home through:

• Floor drains
• Toilets
• Sinks
• Bathtubs

This can happen because of:

• Heavy rainfall
• Clogged municipal sewer systems
• Tree root intrusion
• Frozen pipes
• Blocked sewer lines
• Aging infrastructure

The cleanup can be messy, expensive, and stressful.

Many standard homeowners policies do not automatically include sewer backup coverage. Instead, it is often available as an optional endorsement.

Without it, you could be responsible for:

• Water removal
• Drywall replacement
• Flooring replacement
• Cabinet replacement
• Mold remediation
• Personal property damage
• Professional cleaning

Repair costs can easily reach tens of thousands of dollars.

If your home has:

• A finished basement
• A sump pump
• Older plumbing
• Mature trees
• A lower-level bathroom
• A floor drain

...you may have a greater exposure to sewer backup losses. Fortunately, adding this coverage is often surprisingly affordable.

Insurance works best when it's reviewed before disaster strikes. At State of Hockey Insurance, we help homeowners understand what their policy covers — and what it doesn't. We'll review your current insurance and help determine whether sewer backup coverage makes sense for your home.

Visit www.StateofHockeyInsurance.com or call 612-361-7283.