Q. Heavy rain sent raw sewage backing up into our home. Our insurance company says the thousands of dollars of damage are not covered under our homeowner’s policy. How can that be?
A. According to the Insurance Information Institute, most homeowner and flood policies don’t cover this kind of mishap. You must buy specific sewage coverage for $40 to $50 annually. If the backup made your home unlivable, your homeowner’s policy may provide loss-of-use coverage for such expenses as lodging and food.
Carole Fleck is a senior editor at the AARP Bulletin.