Homeowners Insurance and Sewer Cleaning…oh boy!


dreamstime_xxl_18509152For many people, the following happens all the time: you go to the mailbox, pull out something from your insurance company, and think “oh no, is it time to pay that again?” Then you open it and realize that it’s not a bill, but instead a “friendly remind” of the coverage you could have but don’t.

Earthquake insurance. No thanks, we live in Colorado. Hurricane Insurance: I just told you, I live in Colorado! Backup sewer and flood insurance: Would you get off my back, I live in…

Wait, what was that last one? What do you mean that I’m not covered for backup sewer? And how is it possible that flood isn’t included in a basic policy? Well, it’s not, and it would probably be a good idea to see your insurance agent to make sure you have the coverage you need.

Get the insurance!: While we believe that anything having to do with water should automatically be included in homeowners insurance, that’s just not the case. We do, however, suggest you get it. Even if you don’t live anywhere it usually floods, there’s always the chance of water coming into your home, either via a broken window light well or a burst pipe.

Regarding sewer backup, you’re not just talking about things getting wet and then airing them out. With raw sewage, everything it touches is a biohazard and is a total loss.

Either way, we’re talking upwards of $10,000 damage, so you might want to talk to your insurance agent.

Get Your Sewer Cleaned: The easiest way make sure everything goes as smooth as possible? Don’t let you sewer back up in the first place! If you notice brown spots on your lawn above the sewer pipe, have a persistent bad odor coming from the drains, or have noticed that every drain just isn’t draining as quickly as it used to, you might need sewer service. Get it taken care of so that you don’t have to worry about it.

Nobody likes to pay homeowners insurance, but it’s important to make sure you’re covered. Give Garvin’s a call for your sewer cleaning!