Water Backup Insurance Program

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The financial assistance available to homeowners for MSD-related issues causing backups:

Overcharged Sewer Line – If excessive rain falls in a short timeframe, it can fill the sewer line so much that it can’t hold any more water. If sewer lines discharge into your building as a result, MSD will reimburse up to current limits — to cover damage that occurs. Because damages may exceed this amount, MSD recommends homeowners obtain additional coverage through their insurance company.

Blocked Sewer Line – If a sewer line collapses or is blocked by tree roots, or other debris that has washed into the sewer, it can cause a building backup. If this is the cause, MSD will reimburse the homeowner for the adjusted losses. See Financial Assistance for Building Backups for more details.