Check Your Insurance Coverage!
Clear Creek Conservancy District recommends homeowners have backflow prevention devices and insurance coverage for sewer backup. A power failure or other equipment failure can result in sewer backup at any time of year.
This information is from a recent internet posting:
Jun 03, 2021 · Most home insurance companies offer a sewer backup endorsement. This typically carries a coverage limit between $5,000 and $25,000 to cover your personal property or structural damage caused by the backup. When filing a sewer backup claim, you are often subject to a separate deductible, which can vary depending on your policy and carrier.