Does Homeowners Insurance Cover Sewage Backup in Texas?

A sewage backup is stressful enough without wondering whether your insurance will help pay for it. In Texas, the answer depends almost entirely on the endorsements attached to your policy — and many homeowners are surprised to learn a standard policy does not automatically cover it.

The water/sewer backup endorsement

Most standard homeowners policies exclude damage from water that backs up through sewers or drains. To be covered, you generally need to add a "water backup and sump overflow" endorsement. It is usually inexpensive and adds coverage limits specifically for backup events — money well spent in an older Garland neighborhood.

What is typically covered

When you carry the endorsement, coverage usually includes cleanup, water extraction, drying, and repair or replacement of damaged flooring, drywall, and belongings. Our team documents each of these categories so your claim reflects the full scope of the loss.

How we help with your claim

We photograph the damage, record moisture readings, and prepare a detailed scope of work that adjusters recognize. In most cases we bill your carrier directly, so you only pay your deductible.