A sewer backup occurs when the pipe servicing your home becomes blocked, collapses, or if the sewer main/watermain becomes overloaded due to heavy rain or flooding. Sewer backup results in sewage or dirty water coming up through a sink, toilet, or a drain.
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Sewer backup can result in hefty damages to your belongings or unit improvements, as well as expensive clean up costs.

Do you need Sewer Backup coverage if you live on the higher floor of a building?
Let’s say your unit is on a higher floor in your building. Could you still have the sewer back up? Yes, it is common in condo buildings for the sewer pipes to get blocked, resulting in water backing up.