Fall in the Pacific Northwest brings heavy rainfall, and with it, the risk of water and sewer backups damaging basements, flooring, and personal belongings. The good news: there are practical steps you can take to reduce your risk, and insurance coverage is available if the worst does happen.
Why It’s a Risk in Seattle
Seattle’s rainfall can overwhelm municipal sewer systems, pushing water and debris back toward homes. Basements and low-lying areas are especially vulnerable. A single backup event can cause thousands of dollars in damage.
Steps to Reduce Your Risk
1. Inspect your foundation and basement Look for cracks or openings where water could enter. Sealing gaps and cracks is an inexpensive first line of defense.
2. Check your drainage Make sure water flows away from your home. If it pools near your foundation, consider installing downspout extensions on your gutters to direct water further away.
3. Ask about shut-off valves A licensed plumber can install backflow prevention valves that stop sewage from entering your home during a backup event. It’s one of the most effective preventive measures available.
4. Store valuables above flood lines In flood-prone areas, keep furniture, important documents, and valuable items stored above floor level.
5. Mind what goes down the drain Avoid pouring grease, coffee grounds, or other materials that can accumulate and cause clogs in your plumbing system.
6. Be prepared to clean up safely If you do experience water damage, use gloves, masks, and goggles when cleaning up to protect yourself from contaminated water.
Does Your Insurance Cover This?
Standard homeowners policies typically do not cover water and sewer backup damage. This must be added as a separate endorsement or rider. It’s often very affordable, but only useful if you have it before the damage happens.
Call us at (206) 402-6793 to review your current coverage and add water and sewer backup protection if needed.
— Kimberly Pham, SafeInsure