Emergencies FAQ - Sewer Backup or Water Line Break

What should I do?
Call your insurance agent and request coverage for water and sewer backup.


Why?
1. Many backups cause damage for which the District is not responsible.
2. Homeowners policies typically pay replacement cost. If the District is proven negligent, they are only legally responsible for payment on an actual cash value basis.
3. Homeowners policies will respond much more quickly than the District’s insurance as there is no requirement to prove negligent and you will save the time and headache of negotiating with the District’s insurance carrier as your homeowner’s carrier will work with them to recover damages.

What should I do?
Call Evergreen Metro District at 303-674-4112 to report the incident.


After hours – you will be connected with the emergency service. Provide location of issue, description of issue, your contact information and time of notification to the District.

What else should I do? What else do I need to know?
Call and report the incident to your homeowner’s insurance carrier, even if you do not believe the backup or release into your residence is your responsibility.


The District notifies its claims adjusting service, Sedgwick and reports the claim. Sedgwick may contact you to request an inspection of your property. They may not be able to make a final decision regarding coverage until they complete an investigation. Remember to keep copies of receipts and invoices for out-of-pocket expenses. Your insurance carrier and/or Sedgwick may request those from you as a part of the investigation. Upon completion of the investigation, you will be notified of the cause of the incident and determination of liability. Under the Colorado Governmental Immunity Act, Section 24-10-101 et seq., Colorado Revised Statutes the District is immune from liability unless negligence is proven.


It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant regarding a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the department of regulatory agencies