Why is a sewer backup treated differently from a water leak?
Because the water carries waste and bacteria, and the material it touches must be removed or disinfected, not simply dried. A supply leak is clean water, and a sewage backup is a health hazard.
The porous material that sewage touches cannot be cleaned to a safe level, so carpet, pad, drywall and insulation are removed. The hard surfaces are cleaned and disinfected, and the protective equipment worn by the crew is matched to the hazard.
The handling of contaminated water is a matter of health and not only of appearance. A room that looks clean after a backup can still hold contamination in its joints and under its floor, so the disinfection is part of the job, not an add-on.
Does a homeowner policy cover a sewer backup?
Often not by default. Sewer and drain backup is commonly excluded from standard homeowner policies and can be added by endorsement, and the policy wording decides.
A standard homeowner policy typically excludes backup through a sewer or a drain unless an endorsement is in place. The endorsement and its limit should be read before a backup, not after. The Colorado Division of Insurance regulates insurers in Colorado and takes complaints about how claims are handled.
Photograph the backup, keep the removed material until the insurer has seen it and note the time and the cause. The plumber or the sewer provider should write down the cause of the backup in a report.
What should be checked to prevent the next backup?
A backwater valve on the line, a clear floor drain, a working sump where one exists and a clear cleanout are the common checks. Storm-driven backups are harder to prevent, and the plumber can advise on the options.
A backwater valve closes when water tries to flow back into the house, and it is installed by a plumber. A floor drain that is clear of debris and has water in its trap is the simplest protection. The main cleanout should be found and opened to check for a blockage.
Do not run water through a drain that has backed up until the blockage is cleared, because the water will rise again. The cleanup records the state of the drain and the valve for the homeowner to follow up.
Is the sewage cleanup a health risk for the family?
It can be, if the work is done poorly or the area is re-entered too early. Children, pets and anyone with a weak immune system should stay out until the area is cleaned and dried.
Sewage can carry bacteria and viruses, and contact with it can cause illness. The affected area is kept closed off until the cleanup is complete and the readings are dry. Clothing that touched the water should be washed separately in hot water.
If anyone in the household feels unwell after contact with sewage, a doctor should be seen and the exposure mentioned. This page does not give medical advice.
What a homeowner keeps after a backup
After a sewer backup the homeowner keeps the plumber's report of the cause, the photographs of the drain and the cleanout, the list of removed material and the disinfection record.
After a sewer backup the homeowner keeps the plumber's report of the cause, the photographs of the drain and the cleanout, the list of removed material and the disinfection record. Those four documents show what caused the backup, what was done about it and what was removed, and they answer most of the questions an insurer raises about a sewage loss.