Standard homeowners insurance excludes water that backs up from sewers or drains. This is one of the most common exclusions, and one of the most common claim denials in metro Atlanta.
Why Atlanta has more of these claims
- Aging sewer infrastructure in DeKalb, Fulton, and parts of Gwinnett. Many lines are fifty years old or more.
- Heavy clay soil that holds water against foundations.
- Increasing severity of summer thunderstorms.
- Older homes with basement-level fixtures.
What a typical sewer backup claim looks like
Water comes up through a basement floor drain or toilet. It can be a few inches or several feet. Even a small backup ruins flooring, drywall, and stored items. Mold remediation usually follows.
The fix: a water backup endorsement
Sometimes called sewer/drain backup coverage. It is an add-on, not part of standard homeowners. Coverage limits typically range from $5,000 to $25,000. Annual cost is usually $40 to $80.
What to ask your agent
- Do I have water backup coverage?
- What is the limit?
- Is there a separate deductible?
- Is sump pump failure included?
Without it, a single backup claim becomes an out-of-pocket repair that often runs $10,000 to $30,000.