does homeowners insurance cover sewer backup

Standard homeowners insurance almost never covers sewer backup — it’s one of the most expensive surprises LA homeowners face after a sewage event. Coverage requires a specific sewer backup rider added to your policy, which most people don’t have. This guide covers why standard policies exclude backup, what the rider costs and covers, the health risks of raw sewage contamination, and what professional category 3 biohazard cleanup involves when your home is affected. IICRC-certified: (818) 336-1800.