dslreports logo
site
 
    All Forums Hot Topics Gallery
spc

spacer




how-to block ads


Search Topic:
uniqs
25
share rss forum feed


Jack_in_VA
Premium
join:2007-11-26
North, VA
kudos:1
Reviews:
·Millenicom
reply to boombie

Re: Sewer flooding

said by boombie:

Here is another option
It is a plug you put in your floor drain.
It has a float that if the water rises in the floor drain it will seal the drain and will unseal when the water recedes.
»www.plumbingsupply.com/floodguard.html

I picked mine up at home depot.

I had 3" of sewage in my basement after a heavy rain about 8 years ago. MMSD told me to file a claim with my insurance, they weren't responsible. That claim was over $8000 I installed the float plug and have had rain similar to the one that flooded my basement,went into the basement and saw the float was up and sealing the drain. I have replaced it once as the metal parts do rust, and it's cheap insurance.

Paul

Here you can add a rider to your homeowners insurance for sewer back up.


alkizmo

join:2007-06-25
Pierrefonds, QC
kudos:1

said by Jack_in_VA:

Here you can add a rider to your homeowners insurance for sewer back up.

I'd rather pay a little bit extra and assure myself it will not happen.
I mean... ewwww you know?

Bob4
Account deleted

join:2012-07-22
New Jersey
Reviews:
·Optimum Online
reply to Jack_in_VA

said by Jack_in_VA:

Here you can add a rider to your homeowners insurance for sewer back up.

My insurance company adds that as standard to all policies for homes. You can remove it if you want a few bucks back.
quote:
HO-95X Water Back-up Coverage - The standard policy does not provide coverage for any loss caused by water which backs up through sewers or drains. However, the HO-95X endorsement provides up to $5,000 for this type of loss. The maximum benefit limit is concurrent with your other coverage amounts; it does not increase the total limit of Coverage A (Dwelling) for HO-2, HO-3 and HO-6 or Building Additions and Alterations for HO-4, B (Other Structures), C (Personal Property) or D (Loss of Use) stated in your policy declarations.


Jack_in_VA
Premium
join:2007-11-26
North, VA
kudos:1
Reviews:
·Millenicom
reply to alkizmo

said by alkizmo:

said by Jack_in_VA:

Here you can add a rider to your homeowners insurance for sewer back up.

I'd rather pay a little bit extra and assure myself it will not happen.
I mean... ewwww you know?

So would I but even back-flow devices can fail with disastrous results. That's just like those here who don't think they need flood insurance and guess what.


alkizmo

join:2007-06-25
Pierrefonds, QC
kudos:1

said by Jack_in_VA:

So would I but even back-flow devices can fail with disastrous results. That's just like those here who don't think they need flood insurance and guess what.

Some people think they don't need volcano insurance and guess what.


Jack_in_VA
Premium
join:2007-11-26
North, VA
kudos:1
Reviews:
·Millenicom

said by alkizmo:

said by Jack_in_VA:

So would I but even back-flow devices can fail with disastrous results. That's just like those here who don't think they need flood insurance and guess what.

Some people think they don't need volcano insurance and guess what.

You may think you're being cute and catty. Guess what you aren't. People whose homes get flooded in 100 year or 500 year events suffer catastrophic loses and is not something to deride. Low cost flood insurance is worth the investment.

Bob4
Account deleted

join:2012-07-22
New Jersey
Reviews:
·Optimum Online
reply to alkizmo

said by alkizmo:

Some people think they don't need volcano insurance and guess what.

My homeowners insurance here in New Jersey includes coverage for volcanic eruption. It's listed in the policy. Really. (But earth movement as a result of volcanic eruption is not covered.)


chmod
Premium
join:2000-12-12
Lockport, IL
reply to Jack_in_VA

said by Jack_in_VA:

said by alkizmo:

said by Jack_in_VA:

Here you can add a rider to your homeowners insurance for sewer back up.

I'd rather pay a little bit extra and assure myself it will not happen.
I mean... ewwww you know?

So would I but even back-flow devices can fail with disastrous results. That's just like those here who don't think they need flood insurance and guess what.

Had a back flow device fail in a 3 story business complex in the basement. It was the only time I told my boss at that time I can't do this. Disgusting.
--
Some people are like Slinkies. Not really good for anything, but they still bring a smile to your face when you push them down a flight of stairs.


Jack_in_VA
Premium
join:2007-11-26
North, VA
kudos:1
Reviews:
·Millenicom

We had some friends at the bottom of a hill in Richmond that did not have any protection. Something went wrong with the sewer and flooded their home and all the ones around. The city would not pay for the damages. You can't believe the stench and mess.


Bob4
Account deleted

join:2012-07-22
New Jersey
reply to Bob4

The sewer backup insurance is not expensive. My premium is only $15 per year.



fartness
computersoc dot com
Premium
join:2003-03-25
Look Outside

What is the deductible, and is it a separate deductible, say if a storm knocks your roof off?



Indeedy

@videotron.ca
reply to Bob4

said by Bob4:

The sewer backup insurance is not expensive. My premium is only $15 per year.

You have a diff sewer design. Maybe a non-finished basement? WHo knows.

I know over here there are some houses/area's they will not even insure. I have it, but it will only cover up to something like 15K. They won't give more.

Most insurance companies are very wise to what area has what. I expect this guy to get bare minimum, 10-15K coverage. But the US may be different when it comes to insurance. Certainly isn't a 15$ add-on here when in a problem area.

Even with the millions being spent to refurb everything to surpass code. I call the INS and said I should be getting a reduction since the risk is low and the risk is limited to a 100 year event. Girl on the phone laughed at me and said, "insurance never goes down". Told me to bring the issue up with some Canadian board to force a review.

I expect I will have to get some signatures and the engineers reports before they stop laughing at me.

I expect no less in the states... But then again, we here horror stories here about how they don't pay out when things happen...

I'm curious what they will tell him. Let us know...

Bob4
Account deleted

join:2012-07-22
New Jersey

My insurance company has lowered rates in the past. They even give me 5% of my premium back when I renew.



Indeedy

@videotron.ca

said by Bob4:

My insurance company has lowered rates in the past. They even give me 5% of my premium back when I renew.

Ah. Yeah, piddly combined insurance discounts, or loyalty discounts. etc etc But when rates go up, they don't actually lower the *stated* rate.

I get 10% for having a few things insured with them. But that didn't stop the rate from increasing. The rate should decrease due to the lower risk and lower probability of a damage causing event. Insurance is all based on probability and risk. Rates are based on that.

Anyhow... It will be interesting what they state to him. I'm a little curious about the differences between here and there.

They may demand a backflow preventer (backwater valve) before he even gets insured. Which is very possible.


ArgMeMatey

join:2001-08-09
Milwaukee, WI
kudos:2
Reviews:
·voip.ms
·AT&T Midwest
·Time Warner Cable

said by Indeedy :

They may demand a backflow preventer (backwater valve) before he even gets insured. Which is very possible.

Semantic notes:

The trade term backflow preventer seems to be used for potable water applications, i.e. a double check backflow preventer.

These are significantly different in design from backwater valves used for sewer applications. I don't know if there's a trade dictionary or model code distinction, but it helps reduce the scope of the discussion to know the difference.

I realize that this being a free country and English and all that, people will call things whatever they want regardless. Have a great weekend everybody. (Or would that be weekstart? )
--
USNG:
16TDN2870
Find your USNG coordinates:
USNGWeb


leibold
Premium,MVM
join:2002-07-09
Sunnyvale, CA
kudos:10
Reviews:
·SONIC.NET

There definitely are backflow preventer for other applications (such as check valves used by some municipalities at the water meter or anti-syphon valves for yard irrigation) but that doesn't mean that the term is exclusively reserved for those.

It may be a regional thing (as naming conventions often are) but at least on this coast businesses that sell and install these devices call them sewer backflow preventer.
--
Got some spare cpu cycles ? Join Team Helix or Team Starfire!



Indeedy

@videotron.ca
reply to ArgMeMatey

I am guilty of using both words (backflow preventer & backwater valve) interchangeably.

Guilty as changed.