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No Fault Sewer Backup Program

The No-Fault Sewer Backup Reimbursement Program provides financial assistance to Davenport residents who have experienced a sewer backup as the result of an unanticipated sewer backup.

The program is designed to help residents with the financial burden of sewer backups, without regard to legal liability, according to the conditions of the policy.

The following are key elements and steps of the No-Fault Sewer Backup Reimbursement Program:

  • Contact your insurance agent prior to beginning the clean-up process, some insurance companies require specific photographic evidence and other details for the claims process. These documents may also be used to support claims made under the No Fault Sewer Backup Reimbursement Program. 
  • Submit a claim to the City's Risk Management Department.
  • The claim is reviewed to determine if it should be processed as a no-fault claim according to the conditions of the No Fault Sewer Backup Reimbursement Program Policy or as a tort claim.
  • With confirmation of a sewer backup that meets the No Fault Sewer Backup Reimbursement Program requirements, the City will reimburse the property owner for clean-up costs, building damages, and mechanical equipment essential to the habitation of a residence, as follows:
    • The reimbursement limit is $7,500 per building, per year for all costs and damages.
    • This reimbursement falls secondary to any home owners/renters insurance; a claim must be filed with the insurance company to be eligible under the program.
    • Included in the $7,500 limit is reimbursement of personal property and/or possessions, up to $1,000, per building, per year.
  • The property owner is required to install a sewer backflow prevention device in order to be eligible for reimbursement under the program. The cost of the installation is eligible for reimbursement under the $7,500 limit described above; it is unlikely that homeowners insurance will cover this device.
  • The property owner is required to sign a full and complete release of any and all claims against the City arising from the sewer backup incident in order to receive payment.

Questions about the program should be directed to the City's Risk Management Department at 563.328.6854.

Answers to Frequently Asked Questions can be found at this link.

Contact

Risk Management
226 W 4th St
Davenport, IA 52801
Phone:
563.328.6854
Email: