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Jan 17, 2012 at 19:52 comment added Metro Smurf @Steven - if I could upvote your comment 100x's I would!
Jan 17, 2012 at 19:48 comment added Steven Intersting, I will double check. But we all know the insurance company will try and screw you regardless :)
Jan 17, 2012 at 19:36 comment added Metro Smurf @Steven - Verify if your policy covers the sewer line between the house and the city connection; insurance will cover a backup inside the house, but not the root cause of the problem in the sewer line if it's outside the home. I'd suspect that the insurance as well as the city will not cover the sewer line in your yard. The point is, there is most likely a section of sewer line that is not covered by any of the entities.
Jan 17, 2012 at 19:16 comment added Steven Insurance policies and city policy vary greatly by location. My insurance, for example, does cover backups without the need for anything extra. My city covers the sewer line up to the water-shutoff in my driveway (ie: first 10' or so of my property), everything after that is my problem.
Jan 17, 2012 at 18:31 comment added Metro Smurf @SchwartzE - Thanks for the tip. We're going to be re-evaluating our home owner's insurance and will definitely check out the rider.
Jan 17, 2012 at 18:10 comment added SchwartzE You can usually get "backup water" coverage added to your insurance at a very cheap rate. We used this coverage when we had an issue with our sump pump in the basement. It would not have been covered if we did not have this rider on our policy.
Jan 17, 2012 at 17:47 history answered Metro Smurf CC BY-SA 3.0