Are blocked drains covered by homeowner's insurance?

Answer 1

Blocked drains are not covered by homeowner's insurance. Keeping drains clear is the responsibility of the home owner and is considered routine maintenance. The insurance company may pay for damage to the home that a backup of water may cause, but any consideration that the insurer gives to such a claim would be subject to the terms and conditions of the policy. Payment would also be subject to the policy deductible.