Sewage or drain water backs up into the commercial property through floor drains or toilets. Under M.G.L. c. 176D §3, Springfield businesses have 6 years to pursue underpaid claims. Ch. 93A allows double or triple damages.
Upload your Massachusetts commercial policy. Get an instant breakdown citing your exact policy sections.
Get Free Analysis →Under M.G.L. c. 176D §3, Springfield businesses generally have 6 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. Ch. 93A allows double or triple damages. Consult a licensed Massachusetts 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 M.G.L. c. 176D §3, insurers must provide a written explanation citing the exact exclusion. You have the right to dispute any denial.