Yes, if you bought that as a rider. No if you did not.
NOPE
Of course.
What do they insure and how much? Normally I would say save your money
The answer you want is in your governing documents.Determine who has responsibility for identifying sewer backups -- you or the board; identify who is responsible for maintaining the sewer drains -- you or the board; identify how long an owner is required to wait for a work order to be completed.Write a letter to the board and request that the board handle the matter at an open board meeting. In your letter:Request that the board identify the source of the backup.Request access to roto-rooter-type, sewer and drain clean-out preventative maintenance records.Request a fix within [30 days].Bring your evidence of backups to the board meeting and request time on the agenda to present your case to the board.Once you've made a formal request, and the time passes without a fix, you have the basis of a potential lawsuit against the board.
The word utilities has several different meanings, depending on context.Public utilities are the companies or agencies that provide electricity, water, sewer, gas, etc.Software utilities make using the computer easier. They help application software run on the operating system without errors.
It should. You should request a policy review with your agent. It has to be stated in the policy what is and is not covered. <><><> DO review your policy with your agent. Sewer Backup is typically EXCLUDED from most homeowner's insurance. It CAN be added to a homeowner's policy. Have you read your policy?
NOPE
Yes it normally does.
No
Damage must be due to a covered cause for the damage to be claimed on your homeowners insurance. I cannot think of any way damage to a sewer could be from a covered cause.
Sorry but homeowners insurance does not pay for preventative replacement of a sewer line. This is an item that would be considered maintenance. Sorry this is not what you want to hear but that's the way it is.
If your renters policy covers Sewer Backup then it will cover damage to personal property.
Inside your home or outside and did you bother to READ your policy?
If your policy contains sewer back up coverage and business owned property coverage. The policy should according to its terms and coverages cover your claim. http://calcocommercialinsurance.com
Yes.
I cannot think of any cause for a sewer line damage being caused by something that would be covered by a homeowners policy. It is probably maintenance and not an issue for your home insurance.
Possibly. Depending on if you bought an extra endorsement called back up of sewer or sub pump. This is an additional coverage you have to buy on your homeowners. This also depends if what ever happened to the the septic tank was accidental or sudden. If it failed due to poor maintenance, then no the insurance company does not have to cover it. The adjuster will determine when he comes out if its either or. Mark Owner of Denvers Insurance