Is sewage backup covered by insurance?
Only if you have the water/sewer-backup endorsement on your homeowners policy. This is optional in Maryland but is strongly recommended if your house has a basement or low-lying property. Buying the endorsement is inexpensive compared to the cost of cleanup.
The endorsement usually covers the water damage from the backup and the cost to clean and restore the area. Check your policy to see whether you have this endorsement and whether your coverage limits are adequate.
Who is responsible for the cleanup cost?
Your insurance, if you have the sewer-backup endorsement. If the backup was caused by WSSC, you file a claim with the WSSC Claims Office. The technician does the cleanup; the insurer pays. The plumber who locates the blockage is billed separately.
Start the restoration work immediately; do not wait for insurance approval. The longer sewage sits, the worse the contamination spreads. The insurer will pay the reasonable cost of proper cleanup.
What should I do during a sewage backup?
Stop using all plumbing immediately. Do not flush toilets or run water. Call (833) 490-5225 and WSSC (301-206-4002) right away. If the backup is still rising, move to an upper level and call for immediate help. Do not go into the contaminated area yourself.
Sewage is a biohazard. Exposure to it can cause serious illness. Professional cleanup with proper containment and disinfection is essential, not optional.
How long does sewage cleanup take?
The removal and initial cleanup can take a few days depending on the extent of the contamination. Drying takes longer. Complete remediation may take a week or more. The technician will give you a timeline based on what happened.
You may not be able to use the affected areas during cleanup. Plan to stay elsewhere if needed. The contamination is serious and thorough cleanup is required.
What moves the cost of sewage cleanup?
The depth of the sewage, the area affected, how much material has to be removed, and the extent of contamination all move the price. A small, quick backup may cost less than a large area flooded with sewage.
Get the estimate in writing. It should include the containment, the material removal, the disinfection, the water extraction and disposal, and the drying work. Understand what is and is not included before work starts.