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Sewage flooding: who's responsible and is it covered by insurance?

Sewage in a building is a health hazard and needs dealing with quickly. The next questions are usually who is responsible and who pays. Here's how it typically works in England and Wales, and what to do in the first few hours.

First, keep people safe

Keep people and pets out of affected areas, particularly children and anyone with a weakened immune system. If water has reached electrical sockets or appliances, switch off the power to that area if it's safe to do so. Avoid walking sewage through the rest of the building.

Find out where the sewage is coming from

A blocked drain or pipe inside the property boundary is usually the owner's responsibility. In England and Wales, water companies are responsible for public sewers, and since 2011 that includes most shared sewers and lateral drains that were previously private. If you think the problem is in a public sewer, report it to your water company straight away.

If the water company is responsible

Water companies must clean up after flooding from their sewers and you may be entitled to compensation under the Guaranteed Standards Scheme. Report the flooding, keep a record of dates, reference numbers and photos, and ask what support they provide.

Will insurance cover it?

Many buildings insurance policies cover damage caused by sewage, often under escape of water or accidental damage sections, but wording and exclusions vary. Contact your insurer early, before any major strip-out, and ask what evidence they need. Loss adjusters usually want photos, moisture readings and an itemised scope of work.

What to do before the insurer visits

You're generally expected to take reasonable steps to stop the damage getting worse. That can include having sewage extracted and the area made safe, but keep records and photos of everything, and don't dispose of damaged items until the insurer has agreed, unless they're a health hazard.

What a professional sewage clean-up involves

Sewage and contaminated water is pumped out, porous materials such as carpets, underlay and plasterboard are removed, and all affected surfaces are treated with antimicrobial products. The structure is then dried with commercial equipment, and moisture readings confirm when it's ready for repair.

This article is general information, not legal or medical advice. If you need help with a specific situation, call us on 0208 050 7207.

Quick answers

Can I clean up sewage myself?

Small amounts on hard surfaces can be cleaned with care, gloves and disinfectant. Anything that has soaked into flooring, walls or insulation, or covers a large area, should be handled professionally.

How long does a property take to dry after sewage flooding?

Typically five to fourteen days after the clean-up, depending on the materials and how long they were wet.

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