Your house may be susceptible to flooding by the backup of sewage, especially if plumbing fixtures are located below ground. You can obtain insurance coverage for losses of this type. State laws require that backup and overflows coverage be provided as an optional add-on to your homeowner’s policy. Upon request, Frederick Water personnel will assist in determining if your dwelling is subject to this type of flooding. Frederick Water is not responsible for any loss caused by the backup of sewage unless it is determined such loss was caused by the negligence of Frederick Water.