Sewage backup - We offer a free, no-obligation evaluation of your case, and would be glad to discuss your situation with you. Please contact us at 602-888-2900 or fill out the form on this page to learn more! Millions of households every year deal with damaged property because of a sewer backup or sewage system flooding event. Sadly, many homeowners may not.

 
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Jun 2, 2022 · Sewage Backup Causes and What You Can Do. Biohazard Cleanup. (800) 775-7876 Find Your Local PuroClean. When sewer lines become obstructed, whereby preventing wastewater from flowing through drainage pipes, blockage occurs. The thick, black water that forms as sewage is a potential hazard, as it contains contaminants and viruses that can present ... Report Sewer Backups to 311. If raw sewage is backing up into your home, report it immediately to 311 or fill in this online form. You must provide your contact information so we can contact you, if necessary. We will not be able to investigate your complaint without accurate contact information. Please keep records of your 311 Tracking Number ...Sewage backups are one of the most irritating and dangerous plumbing issues that can affect your home. Learn the common causes of sewage backup, such …Exposure to raw sewage can cause fever, abdominal pains, diarrhea, vomiting and sometimes death. Campylobacteriosis, salmonellosis and typhoid fever are among the many diseases tha...Sewage backup in a kitchen sink can be a homeowner’s worst nightmare. It not only causes significant damage to the property but also poses health risks to the residents. Understanding the causes and consequences of sewage backup can help homeowners take preventive measures and respond appropriately in case of an emergency.If you find yourself dealing with a busted sewer line, inside or outside of your home, call Rooter Hero Plumbing immediately. We offer emergency service 24/7 to assist local homeowners, landlords, and commercial properties with repair and restoration services. If raw sewage flooded your bathrooms, basement, or any other part of your home, you ... Sewage backups are more than just unpleasant smelly messes. They can also be dangerous, since sewer water is labeled as category 3 water. Your family (including pets) should leave your home until the sewage removal is complete. Under most circumstances, you should let a professional clean up a sewer backup in your basement. Report a sewer backup. Learn more about sewer backups. ... DEP will inspect the location within 6 hours of receiving the complaint. A heavy rainfall or large ...More than 500,000 sewer backups occur each year in the United States. 1 Sewers normally back up through the lowest plumbing fixture in your home. According to the Insurance Institute for Business & Home Safety (IBHS), 68% of all drain system sewer backup claims started in the basement and claims occurring in finished basements are 65% more severe than in unfinished …Learn how to prevent and fix sewer backup problems in your home or business. Find out the causes, symptoms and solutions for backed-up sewer lines from municipal or septic …A: A clogged drain can cause a basement drain backup because when the line becomes clogged, it can easily cause sewage and wastewater to back up into the lowest point in your drain system which is often the basement floor drain. As a result, any excess water flows out of the basement floor drain and can cause water damage and unpleasant odors.The following PPE is recommended for workers handling human waste or sewage: Goggles: to protect eyes from splashes of human waste or sewage. Protective face mask or splash-proof face shield: to protect nose and mouth from splashes of human waste or sewage. Liquid-repellent coveralls: to keep human waste or sewage off clothing.Sewer Backup: Cleaning Up the Mess. Sewer backup usually happens when there is a blockage on the service pipes. Tree roots and severe flooding are two of the most common culprits. As a homeowner, there is not much you can do to clear the blockage by yourself. You should let the pros handle the sewer line repairs. What you can do, however, is ... DWSD Sewer Backup and Damage Claim If you experienced a sewer backup or other damage related to the Detroit Water and Sewerage Department (DWSD), you may file a claim within 45 days of the discovery of the backup. Before you complete the form, call DWSD at 313-267-8000 to report the issue and get a Service Request number for your claim. You must have a DWSD Service Request number when you file ... Preventing Backup of Municipal Sewage into Basements, USEPA Office of Enforcement and Compliance Assurance, Enforcement Alert, September 2006 (pdf) (1.2 MB) Raw or partially treated sewage can back up through pipes into businesses and homes. Learn more ...In today’s digital age, data is the lifeblood of any business or individual. From important documents to cherished memories, losing valuable data can be devastating. That’s why hav...If you have water emergency or a sewer backup, immediately report it to DC Water's Water and Sewer Emergency Line by calling (202) 612-3400.If you find yourself dealing with a busted sewer line, inside or outside of your home, call Rooter Hero Plumbing immediately. We offer emergency service 24/7 to assist local homeowners, landlords, and commercial properties with repair and restoration services. If raw sewage flooded your bathrooms, basement, or any other part of your home, you ...Learn about the causes, responsibility and prevention of sewer backups, which can cause thousands of dollars in damage to your home. Find out what to do if you experience a sewer backup and how to protect your … Sewage. Sewage (or domestic sewage, domestic wastewater, municipal wastewater) is a type of wastewater that is produced by a community of people. It is typically transported through a sewer system. [1] : 175 Sewage consists of wastewater discharged from residences and from commercial, institutional and public facilities that exist in the locality. Jun 2, 2022 · Sewage Backup Causes and What You Can Do. Biohazard Cleanup. (800) 775-7876 Find Your Local PuroClean. When sewer lines become obstructed, whereby preventing wastewater from flowing through drainage pipes, blockage occurs. The thick, black water that forms as sewage is a potential hazard, as it contains contaminants and viruses that can present ... Dec 7, 2023 · Sewage system maintenance issues: Lack of proper maintenance, such as infrequent sewer line cleaning or neglecting to pump the septic tank, can contribute to sewage backup problems. Identifying the cause of the sewage backup is essential as it will help you determine the appropriate measures to prevent future occurrences. Oct 11, 2023 · After the backup stops, sewer check valves let your home's wastewater flow into the local sewer. But once the flapper shuts, too much water usage in your home can strain the valve and cause sewage to back up. Sewer check valves should be cleaned at least once a year to ensure they can handle backflow before it becomes a problem. Learn how to prevent and fix sewer backups caused by clogs, tree roots, blockages and more. Find out how to use a plunger, a liquid cleaner, a pressure release …If you have a large amount of sewage backup, this can be enough to trigger symptoms. It can also cause eye irritation and respiratory irritation. If you or a loved one have respiratory issues like asthma or COPD, it’s crucial to resolve the sewage backup as soon as possible. E.Coli. This bacteria is a widespread product found in sewage.Learn how a sewage backflow preventer can protect your home from wastewater contamination and overflow. Compare different types of devices, their …6. Re-Pipe Your Drain System. If all else fails, you may need to re-pipe your drain system in order to fix the sewer backup issue. This involves replacing the old pipes with new ones and can be quite costly. It is best to hire a professional plumber for this job as they have the experience and tools to do it correctly.Wastewater treatment plants work to clean water contaminated with sewage so that it can be returned to the environment. A network of sewers connected to homes and other buildings i...Sewer line backup prevention: This document explains for homes connected to a municipal sewer we discuss how to prevent sewer or storm drain backups into a building during …For sewer backup, call our 24-hour Sewer Response Service at 408-730-7400. Report a Sewer Issue Online. If your toilets are backed up, dirty water is backing up into your bath tub, or a sewer lateral clean-out in your front yard is overflowing, call us before you call anyone else. Turn all water off and do not flush toilet, or use laundry ...Learn the common causes, warning signs and prevention tips for sewage backup, a costly and hazardous problem. Find out how to maintain your septic system, …4. Washing Machine Backups. Again, don’t get stuck on the idea that a sewage backup is only caused by a clogged toilet drain. Washing machine backups are another cause of sewage backups. When a washing machine backs up, there’s a large amount of water involved. In most cases, it’s a backed-up drain within the washer.Every time you connect your iPhone to your Mac or Windows computer and sync the device, iTunes creates a backup of your phone's data and stores it on your local hard drive. If you ... Water back-up coverage is an optional add-on to your homeowners policy that may cover sewage back-up and sump pump overflow. Water back-up coverage may pay to repair damaged personal property, such as furniture and electronics, as well as structural things like floors and walls, up to your coverage limits and minus your deductible. Sewers and lateral drains connected to the public network used to be the responsibility of the property owner. However, most are now maintained by local water companies. If you have any problems with your sewer or lateral drain, for example if it’s blocked, contact your local water company. Your water company has a right to enter your ...The basic cost to Cleanup Sewage is $12.14 - $14.94 per square foot in January 2024, but can vary significantly with site conditions and options. Use our free HOMEWYSE CALCULATOR to estimate fair costs for your SPECIFIC project. See typical tasks and time to cleanup sewage, along with per unit costs and material requirements. See …Sanitary sewer collection systems are a valuable part of the nation's infrastructure. EPA estimates that our nation's sewers are worth a total of more than $1 trillion. The collection system of a single large municipality is an asset worth billions of dollars and that of a smaller city could cost many millions to replace.If you have a large amount of sewage backup, this can be enough to trigger symptoms. It can also cause eye irritation and respiratory irritation. If you or a loved one have respiratory issues like asthma or COPD, it’s crucial to resolve the sewage backup as soon as possible. E.Coli. This bacteria is a widespread product found in sewage.The iPhone can automatically back up your app data, email, photos, video and other related content in two ways -- iCloud or iTunes. Turning off the automatic backup feature can hel...A sewer backup is a major concern for any homeowner, as it can cause wastewater to overflow, smell and damage your home. Learn the signs, causes and …If you experience a basement backup or see a sewer overflow, blocked stormwater inlet, or suspect damage to a sewer pipe, please don’t hesitate to reach out to MSD customer service at (314) 768-6260. They may dispatch an investigator to discover whether MSD has the ability to alleviate the situation.Oct 11, 2023 · After the backup stops, sewer check valves let your home's wastewater flow into the local sewer. But once the flapper shuts, too much water usage in your home can strain the valve and cause sewage to back up. Sewer check valves should be cleaned at least once a year to ensure they can handle backflow before it becomes a problem. This sewage backup ruined three entire finished basements on McClay Village Circle in just a matter of hours, and now, these neighbors want the City of St. Peters to step in.The back-up of sewage through the drains in your home or business is an unpleasant situation. Fortunately, there are steps you can take to protect your property ...Sewer backup insurance, also known as sewage backup insurance, is a crucial coverage to consider adding to your homeowners insurance policy. It safeguards you from the financial burden of sewer backups and the expenses associated with repairs, cleanup, and replacement of damaged belongings. While not automatically included in …Sewage backup in a house is one of those unfortunate events that can certainly ruin your day as well as your entire week, your habitual daily routine, and even your household items. Depending on the severity of the problem, you may lose several days. From locating the cause of the backup, eliminating it, and cleaning the mess to not being able ...A sewer backup is a plumbing problem that can cause extensive damage and health risks to your home. Learn the signs, causes, and solutions for this issue …What Causes Sewer Backups? When sewer lines age, they become more susceptible to sagging, cracking, and crumbling over time. With 46% of D.C. homes built before 1949, you could have a dangerously old sewer line on your hands if it hasn’t been recently replaced. More than just age, the following are some additional causes of sewer backups that …Mar 28, 2022 · Water backup coverage protects your home and personal property from water damage as a result of sewage or sump pump backups. Sewer backups occur for a number of reasons, namely, aging sewers, combined pipelines, tree roots, and sanitary main blockages. You can add a water backup coverage endorsement to your policy for as little as $30 a year. Sewer backup or overflow cleanup procedures: this article provides a list of septic or sewage backup cleaning procedures, recommendations and standards for buildings. Citing expert sources we describe the key steps in evaluating, cleaning up & disinfecting a building where there has been a sewage spill. We include safety procedures as well as ...If you experience a basement backup or see a sewer overflow, blocked stormwater inlet, or suspect damage to a sewer pipe, please don’t hesitate to reach out to MSD customer service at (314) 768-6260. They may dispatch an investigator to discover whether MSD has the ability to alleviate the situation.A sewer backup is a serious problem that can cause wastewater to back up into your home, stink, be a biohazard and destroy your property. Learn how to identify, clean up, repair and prevent sewer backups from this article by a plumbing expert. Find out the …Sanitary sewer collection systems are a valuable part of the nation's infrastructure. EPA estimates that our nation's sewers are worth a total of more than $1 trillion. The collection system of a single large municipality is an asset worth billions of dollars and that of a smaller city could cost many millions to replace.7 Most Common Signs of Sewage Backups. Sewage-like odors coming from your drains: Your drains should be transporting wastewater away and outside of your home. So, any foul stench coming from your drains—or a persisting sewage smell in your home—can be a telltale sign of a main line sewer backup. Bubbling drains or toilets: If air bubbles ...Wastewater treatment plants work to clean water contaminated with sewage so that it can be returned to the environment. A network of sewers connected to homes and other buildings i...Sewage backups are commonly caused by burst pipes, clogs, and sometimes tree roots growing into the pipes. Whether it was an accident or not, a sewer backup and it’s spillage can be difficult to deal with. Dealing with a sewage backup is one of the most hazardous and foul incidents a homeowner can face. Learn how to handle it properly to ...'Find pearls in the soil' unveiling the magic of hydrogen production from municipal sewage. ScienceDaily . Retrieved March 18, 2024 from …A sewer backup happens when wastewater cannot drain away from your house due to an obstruction or a damaged area in the pipe. Thanks to this obstruction, wastewater will fill your sewer lines and drain pipes and eventually cause a sewer backup in your property. It is exactly as unpleasant as it sounds.A sewer backup is one of the most unpleasant plumbing emergencies, and it can happen to any homeowner. A sewer backup occurs when the pipe servicing your house becomes blocked, collapses, or if the sewer main becomes overloaded due to heavy rain or flooding. With nowhere to go, wastewater may fill your sewer line and eventually come up through ...Feb 4, 2024 · Sewage in Floor Drains: The appearance of raw sewage coming up through floor drains is a clear and urgent sign of a sewer backup. Handling a Sewer Backup Yourself: Practical DIY Methods Before Calling a Professional. Encountering a sewer backup can be a bit overwhelming, but don’t rush to call plumbers just yet. There are some effective DIY ... 3 Causes of Sewage Backups in Basements. Sewer line clogs: A main sewer line clog can slow or stop the passage of wastewater from your home to the city sewer line. One of the first signs of this plumbing problem is …When it comes to accurately measuring wastewater flow in sewage systems, having the right flow meter is crucial. A reliable sewage flow meter not only helps in monitoring the flow ...Image Source: insblogs.com. A backwater valve is a device that prevents sewage from backing up into your home during heavy rain or flooding. During heavy rain or flooding, a backwater valve prevents sewer backups and overflows, protecting your property from damage and preventing health hazards.. Installing a backwater valve is a great investment that can …Jan 24, 2023 · 1. Foul Odors: One of the first signs of a backed-up sewer line is an unpleasant smell coming from the drains in your home. This can be a sign of sewage coming back up into the house, so it’s important to call a plumber right away if you notice any foul odors. 2. Sewer backup insurance, also known as sewage backup insurance, is a crucial coverage to consider adding to your homeowners insurance policy. It safeguards you from the financial burden of sewer backups and the expenses associated with repairs, cleanup, and replacement of damaged belongings. While not automatically included in …5 days ago · Simply put, sewer backup insurance covers damages arising from standing sewage in your bathtub, toilet, basement or anywhere else in your house. Depending on the cause of the backup, sewer backup ... Tree Roots. Another common cause of home sewer backups is tree roots. Even if the area directly above your sewer line is free of trees, roots from a neighboring yard could be the cause of your sewer problem. Tree roots can cause a number of issues for your sewer lines – they can grow into the pipes and cause holes and blockages, acting as a ...Jan 28, 2016 ... Clogs – Clogs in your home's drain pipes or the city's main sewer line can cause a sewage backup, pushing waste that should flow into the public ...Follow with one cup of white vinegar. Let that sit for two hours with the bathroom door closed. Slowly pour a gallon of hot water down the drain. After 15 minutes, run cold water for 10 minutes to thoroughly rinse the vinegar down. This step is very important, so don’t skip it.Sewage. Sewage (or domestic sewage, domestic wastewater, municipal wastewater) is a type of wastewater that is produced by a community of people. It is typically transported through a sewer system. [1] : 175 Sewage consists of wastewater discharged from residences and from commercial, institutional and public facilities that exist in the locality.Jan 24, 2023 · 1. Foul Odors: One of the first signs of a backed-up sewer line is an unpleasant smell coming from the drains in your home. This can be a sign of sewage coming back up into the house, so it’s important to call a plumber right away if you notice any foul odors. 2. Caveats: None, outside of the cost. Use a standpipe: A standpipe is basically a big PVC pipe that is sealed to the sewer drain in your floor. It’s used to raise the lowest drain opening in the ...Step 1: Remove Drain Pipe Cap. To access your sewer line, you need to find a cleanout drain pipe cap. You can find them in the yard, flower garden, or in the basement of your home. You may need a wrench to open the drain pipe cap. Note: We highly recommend you first inspect your sewer line.Learn how to prevent and fix sewer backup problems in your home or business. Find out the causes, symptoms and solutions for backed-up sewer lines from municipal or septic …There are some simple things you can do to help prevent sewage from backing up into your home: Don’t treat your toilet like a garbage can. The only things you should flush down the toilet are human waste and toilet paper. Don’t flush items like diapers, wipes, cigarette butts, paper towels, facial tissues, or personal hygiene products down ...On average, adding sewer backup insurance to your home insurance policy can cost $150-$300 per year. However, the cost of sewer backup insurance can vary depending on several factors. Understanding these factors and estimating insurance costs can help you make informed decisions when selecting coverage.A sewer backup is one of the most unpleasant plumbing emergencies, and it can happen to any homeowner. A sewer backup occurs when the pipe servicing your house becomes blocked, collapses, or if the sewer main becomes overloaded due to heavy rain or flooding. With nowhere to go, wastewater may fill your sewer line and eventually come up through ...The insurance company can add this endorsement to any homeowners policy such as HO-3 or HO-5 insurance. Typically, sewer backup coverage will cover the damage to your sewer line. This only includes the pipe going from the city main to your house. Furthermore, this endorsement will cover the costs to replace or repair ‌property and …A backwater valve (sometimes called a backflow or sewer backup valve) is a valve you can install on your sewer line and is designed to allow water or sewage to flow only one way—out of your house. Sudden heavy rainfall can overwhelm city sewer lines, causing water or sewage to flow back towards your home.Using Service Pros professional services will certainly work to your leverage. Our emergency sewage and flood basement cleaning teams have specialized equipment and training to swiftly and safely clear, clean and restore your affected areas. Call Now (817) 350-4890 for Sewer Backup Cleaning - Water Extraction and Drying - Storm Damage - Clogged ...If you have a large amount of sewage backup, this can be enough to trigger symptoms. It can also cause eye irritation and respiratory irritation. If you or a loved one have respiratory issues like asthma or COPD, it’s crucial to resolve the sewage backup as soon as possible. E.Coli. This bacteria is a widespread product found in sewage.The nature and extent of potential pathogen risks of sewer backups and floodwaters will depend in large part on the potential contaminants expected to be in the ...Mar 28, 2022 · Water backup coverage protects your home and personal property from water damage as a result of sewage or sump pump backups. Sewer backups occur for a number of reasons, namely, aging sewers, combined pipelines, tree roots, and sanitary main blockages. You can add a water backup coverage endorsement to your policy for as little as $30 a year. Step 10: Thoroughly Dry the Tile. Use electric fans to thoroughly dry the floor. If the amount of wastewater deposited warrants it, you can also close your windows and run a dehumidifier to help fully dry the tile. Clean and disinfect your tile floors after a minor sewage backup by gathering the appropriate supplies and getting informed about ... Here are three common causes of sewer backups: 1. Tree roots. Roots are the primary cause of a clogged sewer line - especially in older homes. Drains located underground start to crack because as these heavy tree roots start to grow, they wrap around the sewer line and crush the pipes. Slow-flowing drains and gurgling noises arising from your ... Sewage backup in a house is one of those unfortunate events that can certainly ruin your day as well as your entire week, your habitual daily routine, and even your household items. Depending on the severity of the problem, you may lose several days. From locating the cause of the backup, eliminating it, and cleaning the mess to not being able ...4. Washing Machine Backups. Again, don’t get stuck on the idea that a sewage backup is only caused by a clogged toilet drain. Washing machine backups are another cause of sewage backups. When a washing machine backs up, there’s a large amount of water involved. In most cases, it’s a backed-up drain within the washer.A sewage backup problem can be disheartening and disgusting at the same time. To wake up one morning to find your basement or bathroom flooded with raw sewage can be a terrible experience. At the end of it all, situations like this can result in the growth of toxic black mold, which can be a threatening issue to anyone’s well being. ...Every time you connect your iPhone to your Mac or Windows computer and sync the device, iTunes creates a backup of your phone's data and stores it on your local hard drive. If you ...Step 5: Ex-gratia Grant for Public Sewer Backups. is responsible for the section of wastewater service line that runs from the wastewater main at the street, up to and including the curb stop. is responsible for the …Water backup coverage, also called water and sewer backup, is a homeowners insurance endorsement that expands your coverage to include water damage from water or sewage that backs up into your home. “This coverage is intended to help cover damage to the structure of a home and personal property if water is discharged or …

A third of all sewer backups are caused by grease & wipes going down the drain. No one wants raw sewage in their home. Can the Grease Scrape fats, oils & grease .... Lions vs bucs prediction

sewage backup

Learn how to deal with sewage backup in your basement, including its causes, health risks, and cleanup costs. Find out how to prevent sewage backups and safeguard your …Sewer Backup Causes. Next, let’s take a look at the most common sewer backup causes. Aging Sewer System. If your neighborhood has an old sewer system, an eventual backup is more likely to happen. Older sewage pipes were often made of cast iron or even clay that starts to crack at a certain point.Step 5: Ex-gratia Grant for Public Sewer Backups. is responsible for the section of wastewater service line that runs from the wastewater main at the street, up to and including the curb stop. is responsible for the … What Causes a Sewer Backup? There are several causes of sewer backups. Here are some of the most common: Clogs. Recurring clogs could be why a sewer line keeps backing up. If substances like oil, grease, hair, and “flushable” wipes enter your drain and sewer line, you may experience frequent clogging. Sewer Line Damage Exposure to raw sewage can cause fever, abdominal pains, diarrhea, vomiting and sometimes death. Campylobacteriosis, salmonellosis and typhoid fever are among the many diseases tha...Nov 22, 2022 ... What Are Common Signs of Sewage Backup? · Slow Draining: Slow draining drains and toilets are typically one of the first signs of a blockage in ...Learn what to do when your sewer backs up, whether it's from a sewer drain or a storm sewer. Find out how to prevent, inspect, and clean up a sewer backup safely and …Turn off the Water. Unless the problem is caused by a clogged city sewer line or heavy downpour, turning off the water in your house ensures that you will have no more sewage backing up. To turn off the water to your house, locate the main shut off valve. The shut off valve is usually located in the basement very close to the water heater.If sewage has backed up into the basement, clean the area and disinfect the floor. Use a chlorine solution of a half cup of chlorine bleach to each gallon of water to disinfect the area thoroughly. Pump the septic system as soon as possible after the flood. Be sure to pump both the tank and lift station. This will remove silt and debris that ...Mar 17, 2023 ... The most common causes of sewage backup in bathtubs are tree root intrusion, improper drainage systems, and blockages due to feminine hygiene ...Here are some signs to look out for. 1. Smells and Odors. The first and most common sign that there is a sewage backup somewhere in your house or business is the smell. As wastewater backs up into the home, you will likely notice an overpowering foul odor emanating from your toilets, sinks, tubs, and other drains. Sewage Removal and Cleanup Experts. At Restoration 1, we offer sewage backup cleanup and damage restoration services for both commercial and residential clients. Our team is professionally trained and certified by the Institute of Inspection, Cleaning & Restoration Certification (IICRC). We know how to provide excellent and thorough sewage ... 5 Common Sewer Backup Causes 1. Aging Sewer Systems. Leaks, clogs, and other issues might occur as a result of aging pipes and sewers, and can also be one of the sewer backup causes. Leaks not only waste water but can also flood homes and businesses. Aside from the material damage they might inflict, sewage backups also …Learn about the causes and cleanup of sewer backups, and discover effective prevention methods. Keep your home safe and healthy with our guide. Expert Advice On Improving Your Home...What causes sewage backups? What can I do to help? What should I do if sewage begins to backup into my home? How can I protect myself? What is the City's Responsibility . Come Visit City of Quincy 730 Maine Street Quincy, IL 62301. Phone (217) 228-4500. Keep in Touch. Home Licenses/Permits/Forms Pay My Bill Quincy Airport Quincy History ...Report Sewer Backups to 311. If raw sewage is backing up into your home, report it immediately to 311 or fill in this online form. You must provide your contact information so we can contact you, if necessary. We will not be able to investigate your complaint without accurate contact information. Please keep records of your 311 Tracking Number ...Nov 20, 2023 · Water backup coverage, also called water and sewer backup, is a homeowners insurance endorsement that expands your coverage to include water damage from water or sewage that backs up into your home. “This coverage is intended to help cover damage to the structure of a home and personal property if water is discharged or overflows from a sewer ... .

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