Does your HOA insurance policy include sewage water backup coverage?

Just about every day we use our sinks, toilets, and water drains for basic needs. Can you imagine what would happen if the grease, waste, and sewage we flush came right back up in large amounts without notice?

Sewage Backup

Unfortunately water sewage backup happends to homeowners and HOA’s all the time. Take Joey Roche, for example, your regular “average Joe” homeowner. His home was violated by litterly 15,000 gallons of sewage waste that overflowed his drains, soaking his carpet, walls, furniture, and property! To make matters worse, the coverage he had was “practically nothing” as he puts it. Could you imagine how you would feel if your home was flooded with sewage waste and you didn’t have the funds to have it removed? HORRIBLE!

Do you have sewer water backup coverage? It’s usually an endorsement that can easiliy be added to the policy. Most insurance agents though will leave this coverage out (1) because most property owners aren’t aware of the issue and (2) because it’ll usually add extra premium. Ultimately any professional insurance agent will at least offer the coverage and give the property owner a choice of including/rejecting the coverage.

Ask yourself: “Do I want to be covered if my home is flooded with 15,000 gallons of raw sewage and waste?” – Of course you do! Call Andrew at 949-540-1440, email him at, or just fill out the short form to the right. He insures HOA’s all over California and would love a chance to offer you only the best in protection.

1 Comment

  1. Joeperry on December 13, 2013 at 5:51 am

    I have really learned some new things from your blog post. Our association hasn’t been involved in the insurance policy as much as we should be, i’ll definitely be bringing sewer coverage up at our next board meeting. Thank you

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