Reduce sewer and drain losses in your basement

Each year, sewer and drain backups cause millions of dollars in damage to the homes owned by State Farm® policyholders. State Farm homeowners policies do not cover losses incurred from sewer or drain backup. (A homeowners endorsement offering some limited coverage may be available through your State Farm agent.)

Since no one wants to experience the mess, inconvenience and out-of-pocket expenses that come with a sewer or drain backup, prevention is the best solution. Here are a few ways how:

Make sure your drainage system is working properly

• Gutter downspouts should extend at least 10 feet away from the foundation of the house so that water is carried away from basement walls.
• Clear gutters at least twice a year to prevent them from overflowing.
• Your yard should be graded to slope away from the house so surface water is drained away.
• If your gutters connect to storm sewers, keep drain lines clear.

Anti-backflow devices reduce the chances of basement flooding

Several types of devices are available:

• Check-valve devices allow water and sewage to flow away from the drain, preventing water and sewage from backing up into the drain.
• Gate-valve devices operate like a gate, closing and shutting off the flow of water and sewage.
• Valves are manually or automatically operated.

Sump pump systems assist in keeping out unwanted water

There are several types, including single sump pump and dual-level systems. A battery or generator can be used to power the pump in case of a power failure. Remember to test your system monthly.

Ensure your sump pump outlet is not connected to your home's waste plumbing system. Check with your local plumbing contractor or building code official for additional requirements.

When all else fails

Sometimes water still gets in. Items stored in basement areas should be shelved or kept off the floor. Furniture should be on casters or shims and arranged away from floor drains.

Check with your local building code department, water utility or a qualified plumber for more information on steps you can take to reduce the chance of water damage to your home.

Contact your State Farm agent with any questions you have on insurance coverage of sewer or drain backup.

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