For homeowners in Mound, MN, sewer backups may not be the first risk that comes to mind, but they can cause significant damage to your property. Heavy rains, aging infrastructure, and blockages can lead to sewage backing up into your home, resulting in costly repairs and cleanup. Adding sewer backup coverage to your home insurance policy is a smart way to protect your home and finances.
What Is Sewer Backup Coverage?
Sewer backup coverage is an optional add-on to your home insurance policy that specifically covers damage caused by water or sewage backing up into your home. This type of coverage can help pay for repairs to floors, walls, furniture, and personal belongings damaged by contaminated water. For Mound residents, where heavy rains and snowmelt can overwhelm drainage systems, this coverage is especially important.
Why Sewer Backups Happen in Mound
Mound’s proximity to Lake Minnetonka and its older neighborhoods can increase the risk of sewer backups. Heavy rainfall or rapid snowmelt can overwhelm the city’s drainage systems, causing water to back up into homes. Additionally, tree roots can infiltrate sewer lines, leading to blockages that result in backups. These risks make sewer backup coverage a valuable investment for local homeowners.
How to Protect Your Home
While sewer backup coverage provides financial protection, there are steps you can take to reduce the risk of damage:
- Install a backwater valve to prevent sewage from entering your home.
- Regularly inspect and maintain your plumbing and sewer lines.
- Avoid flushing items like grease, wipes, or paper towels that can clog pipes.
At Wiser Insurance Agency, we understand the unique risks Mound homeowners face. Adding sewer backup coverage to your home insurance policy can provide valuable protection against unexpected damage. To learn more about your options, visit Wiser Insurance Agency.
