Have you ever driven down the street and seen a front yard with a trench that looks like someone is dredging a channel from the front door to the street? While a select few may be installing an expensive irrigation system, most are having the sewer line replaced. This line consists of a pipe that runs from the home to the main sewer line  under the street.

There are many substances that can clog a pipe. Most can be controlled, but others cannot. Consider tree roots: a common cause of clogged or cracked pipes, which can cause most unpleasant damage to the inside of your house. Remedying this unfortunate situation can be costly, and may not be covered by standard home insurance.

Some home insurance policies will cover damage to your home if a clog causes your plumbing to overflow; others will not. Thus, if the root clog causes a toilet to send water the wrong way (which falls on people's "biggest fear" list somewhere between death and clowns), resulting damage such as warped tiles, soaked carpet and furniture, may be paid by insurance.

 This coverage is called Sewer Backup Coverage. This is a coverage that is provided at an additional cost. At AnCap we always try to add this coverage to your homeowners policy. The only part of the damage that is not covered is the damage to the actual pipe. That is considered "wear & tear" of the home.  Take a look at your current homeowners  policy to see if this coverage is included. Call us if you do not have this coverage and we will make sure to add this to your policy.

Copyright 2008 by the Independent Insurance Agents & Brokers of America, Inc.

 1.      Frank's last name

3.      Type of Insurance that would pay your medical costs

6.      The amount of insurance required by the state a __________ of 15/30/10.

8.      Excess liability coverage

11.    Insurance representative sent to examine your claim.

14.    A system that helps prevent theft

15. A type of Life Insurance

  Down

1. Another word for insurance loss

2. Payment for a policy

3. Prepaid group health insurance with contracted health-care providers

4. Our agency name

5. A life policy for specified period of time.

7. Insurance amount that you pay before the company pays for a claim

9. _____ Injury Coverage (part of your auto policy)

10. Business coverage for employees in case of injury

12. Automatic continuous coverage

13. Coverage for your windshield