Most homes connect to a municipal hook-up to discharge waste water. Typically, there is a floor drain in the lowest level, such as a basement. What if you find 3 inches of black water from that basement drain? Damage Due to Back-Up of Sewers or Drains is an option on many Home policies. It is not Flood Insurance – another topic for another blog. It is not just a plumbing problem. Call us to discuss the details.