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  • Jul 8, 2011, 08:57 PM
    Flood vs. Sewer
    In a city-wide flood situation that includes sewer back-up, how can you prove that the sewer backed up before the home was flooded? Or does it matter? I have a homeowners policy w/ a sewer back-up endorsement but no flood insurance. If I can prove the sewer back-up happened before my home was flooded, will I have a claim?
  • Jul 9, 2011, 09:01 AM

    If you can prove it happened before the flood ( and not because of the flood but back up for a different reason)

    You would have a claim but only for the amount of damage from the back up, not for any additional damage done by the flood.

    Will be hard to prove, witnesses ? Expert testify in court, since the insurance company will almost for sure deny and want to go to court over it.

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