Standard homeowners insurance policies explicitly exclude damage caused by backed-up drains and sewers, meaning standard property coverage will not pay for cleanup or repairs following a sewage flood. However, insurance companies offer a specific, low-cost sewer and drain backup endorsement that you can add to your policy to cover these exact losses, including professional remediation, water extraction, and structural repairs. Verification: Review your current homeowners insurance declarations page or contact your agent to verify whether you carry active sewer backup endorsement coverage.
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