Insurance update: Sewer and Drain Backups

This week our friends over at Frank E Neal & Co., a local independent insurance agent in Nashville, sent us a great piece of information about how an overflowing toilet may not be covered under your homeowners insurance policy. For more information about how your insurance coverage, check out the article below.

http://www.feneal.com/new-backend/am-i-covered-for-sewer-and-drain-backups

At Nestive, our mission is to help homeowners minimize their cost of home ownership, which includes avoiding claims that result in deductibles and higher premiums. So we sat down with the folks at Myer's Plumbing, Heating, and Cooling and about drainage backups and got some really great information. 

Obviously, over stuffing drains with paper products, food, or other household items are the leading causes of blocked drainage. However, main line blockages do occur. As a homeowner, you are responsible for your drain line until it hits the main sewer line out at the street. Often times, if your home is older, those lines were made of either clay or cast iron. Over time, they can deteriorate and collapse, causing a blockage. Another common issue is roots that either grow into and break the lines and cause problems. 

While the food and household items are certainly preventable, the mainline breakages are much harder to prevent. But they are very real and can cause tens of thousands of dollars of damage if sewage backs up into your home. So check with your agent to make sure you are properly protected for this risk.

Handyman Repair Service, Home Maintenance