Coverage Status: Sometimes Covered
It depends on the details of the incident. Horizon Bcbs's coverage for sewer backupvaries based on your specific policy terms, coverage types, and how the incident occurred.
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Pipe burst in second-floor bathroom while on vacation, causing $45,000 in damage
Horizon Bcbs covered full repairs minus $2,000 deductible. Quick response and proper winterization documentation helped.
Slow leak under kitchen sink discovered after 3 months, mold damage throughout cabinets
Horizon Bcbs covered mold remediation but not cabinet replacement due to gradual damage clause. Total coverage: $8,000 of $15,000 claim.
Washing machine hose failure flooded laundry room and adjacent areas
Full coverage approved. Horizon Bcbs even covered temporary housing during repairs. Key: hoses were less than 5 years old.
Coverage Rate
75%
claims approved
Processing Time
7-14 days
average claim resolution
Typical Deductible
$1,000 - $2,500
for most policies
Claim Support
1-800-SF-CLAIM
24/7 dedicated line
Industry Context: Horizon Bcbs, founded in 1922 and headquartered in Bloomington, Illinois, serves 87 million policies. Their 75% approval rate for sewer backup claims is above industry average.
Every Horizon Bcbs policy is different. Upload your policy documents to get a personalized analysis of whether your specific coverage includes sewer backup.
Check My Horizon Bcbs PolicyBased on recent data, Horizon Bcbs pays an average of $15,000-$35,000 for sewer backup claims, though amounts vary significantly based on damage extent. The 75% approval rate indicates most valid claims are covered. Your deductible (typically $1,000 - $2,500) will be subtracted from the payout.
Horizon Bcbs typically processes sewer backup claims within 7-14 days. Emergency situations may receive expedited service within 24-48 hours. You can track your claim status through horizonbcbs.com or by calling 1-800-SF-CLAIM.
Horizon Bcbs requires: 1) Detailed photos/videos of damage, 2) Official reports (police, fire dept, etc.), 3) Receipts for damaged items, 4) Proof of ownership for high-value items, 5) Contractor estimates for repairs. Submit via the Horizon Bcbs mobile app for fastest processing.
Premium increases vary by state and claim history. First-time sewer backup claims typically result in 10-20% increases. Multiple claims within 3 years may lead to 25-40% increases or non-renewal. Horizon Bcbs's Claim Rate Guard (if purchased) can protect against first claim increases.
1) Ensure safety and call 911 if needed, 2) Document everything with photos/video, 3) Prevent further damage if possible, 4) Call Horizon Bcbs at 1-800-SF-CLAIM, 5) Keep all receipts for emergency repairs, 6) Don't dispose of damaged items until adjuster approves.
Yes, if your home is uninhabitable due to covered sewer backup, Horizon Bcbs's Additional Living Expense (ALE) coverage typically pays for temporary housing, meals above normal cost, and other necessary expenses. Coverage limits are usually 20-30% of your dwelling coverage.