Sewage Backup Insurance Claims and Restoration Documentation

Restrict access immediately

• Keep children, pets, customers, tenants and unprotected occupants away from the affected area.
• Do not use electrical equipment in wet areas unless the electrical condition has been assessed.
• If the backup is ongoing, contact the appropriate plumber, municipality, building operator or emergency service.

Document before controlled removal

• Take photographs of the water level, backup point, affected rooms, floor drains, sump equipment, contents and visible contamination.
• Write down the discovery time, weather conditions, plumbing events and prior warning signs.
• Create a list of porous contents and building materials that were directly contacted.

Confirm the insurance endorsement

• Sewer-backup damage is often not included automatically in a standard home policy. Optional sewer-backup coverage may be required.
• Overland flood and sewer backup are different causes and may be treated under different endorsements.
• Ask the insurer or broker which policy section applies, what deductible is involved and what documentation is required.

Restoration records to retain

• Contamination-area photographs and access restrictions
• Removal and disposal lists
• Cleaning and disinfection records
• Moisture readings and drying logs
• Equipment and labour records
• Invoices, estimates and communication with the adjuster

Sewage cleanup service

Sewage backup safety

Basement flooding causes and prevention