Back up of water and sewer coverage helps protect your home against damages related to water that backs up through your sewer or plumbing system. Sewer backups can cause thousands of dollars in damage. To make sure you are adequately covered, you should add this coverage to your policy. Cost starts as low as $85 for the year. This cost will vary by home type.
Tree roots: As they look for moisture underground, tree roots can find their way into older or cracked pipes, slowly causing extensive damage or blockages. Responsibility for fixing the pipes and taking care of the roots often falls to the owner of the tree. A plumber may be able to check your lines with a camera to see if there are any possible problems with tree roots.
Older sewer systems: Aging plumbing systems can cause a lot of problems. As they get older, many systems become more susceptible to backups and other issues.
Combined pipelines: If your city combines sewer and storm drainage lines you could see problems during a storm. Heavy rains can overwhelm the system and create water backup issues in your home.
Blockages in the sanitary main: City sewers are susceptible to blockages as well. This usually happens over time and can result in water backing up into your home.