Sewage or drain water backs up into the commercial property through floor drains or toilets. Under 215 ILCS 5/155, Naperville businesses have 2 years to pursue underpaid claims. Extra damages for vexatious delay or denial.
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Get Free Analysis →Under 215 ILCS 5/155, Naperville businesses generally have 2 years from the date of loss to pursue a bad faith action. Your policy may also require prompt notice (typically 30–60 days) and a sworn proof of loss within a shorter window. Extra damages for vexatious delay or denial. Consult a licensed Illinois attorney for your specific timeline.
1) Ensure safety and contact emergency services if needed. 2) Photograph and video all damage before any cleanup. 3) Notify your insurer promptly — late notice can be used to contest coverage. 4) Preserve all damaged property until your adjuster inspects it. 5) Keep all receipts for emergency mitigation, repairs, and any temporary relocation costs.
Yes — common denial reasons for sewer backup claims include: Standard policy excludes sewer backup without endorsement.. If your claim is denied, request the specific policy provision in writing. Under 215 ILCS 5/155, insurers must provide a written explanation citing the exact exclusion. You have the right to dispute any denial.