Damage guide
Sewage backup
Sewage contains harmful contaminants. Cleanup typically requires protective equipment and disinfection.
Immediate safety considerations
- • Keep children and pets away.
- • Avoid skin contact; wear protective gear.
- • Stop using water and drains until the cause is identified.
If anyone is in danger, call 911.
How to document the damage
- Only document damage once it is safe to be in the area.
- Take wide photos of each room, then close-ups of specific damage.
- Record a short video walkthrough narrating what you see.
- Write down the date and time you discovered the damage.
- Keep damaged items until your insurer says you can discard them, when it is safe and sanitary to do so.
- Save receipts for emergency supplies, temporary repairs and lodging.
When to contact your insurer
Sewer or drain backup is often a separate endorsement. Check whether your policy includes it.
We can't tell you whether a loss is covered — only your policy and insurer can.
Professionals who may help
Common terms
- Endorsement
- An amendment to a policy that adds, removes or changes coverage.
Questions to ask potential contractors
- • Are you licensed for this work in my state or city? Can I see the license number?
- • Do you carry general liability and workers' compensation insurance? Can you provide certificates?
- • Will you provide a written, itemized estimate before starting?
- • Who will be doing the work — your employees or subcontractors?
- • What are your payment terms? (Be cautious of large upfront payments.)
- • Will you obtain any required permits?
- • Can you provide references from recent, similar jobs?
- • What will you need from me to support documentation for my insurer?