Memo - No Fault Sewer Backup Coverage
CITY OF HOPKINS
MEMORANDUM
Date: March 24, 2005
To: Mayor & Council Members
From: Christine Harkess, Finance Director
Re: No-Fault Sewer Backup Coverage - Update to 2/8/05 Council Work session
This memo provides additional information regarding the No-Fault Sewer Backup Insurance that
is now available to cities through the League ofMN Cities Insurance Trust. I have also attached
for reference, my previous memo dated 2-2-05 that provides the background information on the
sewer msurance.
Supplemental Information (attached)
· Finance director memo dated 2/2/05 on Sewer Backup Coverage
. LMCIT Risk Management info sheet on "Optional No-Fault Sewer Backup Coverage"
. LMCIT No-Fault Sewer Backup Coverage Endorsement
. Memo from Steve Stadler on Sanitary Sewer Backup history for 2004 & 2005
General Information
. There are 853 cities in the state ofMN, 821 of which have insurance through the LMC. Of
those 821 cities, 57 ofthem have the No-Fault Sewer Backup Insurance.
. In speaking with the LMCIT underwriter, of the 57 cities that have this insurance 90% of
them are under 1,000 population.
. Cities in the metro area with this insurance are West St. Paul, New Brighton and Coon
Rapids
No-Fault Sewer Backup Insurance Specifics
. Premium cost is approximately 8.5% of our liability premium or $6,700
. LMCIT will not pay more than $10,000 for sewer backup damage to any building under the
sewer backup endorsement, regardless of the number of occurrences. This is an annual
limit.
. The amount LMCIT pays is also subject to the Municipal Liability Deductible.
. If the homeowner has a sewer backup endorsement that will be primary and the LMCIT will
only pay in excess of the homeowners insurance. LMCIT is not primary when a
homeowner has a sewer backup endorsement on their homeowner's policy.
. If FEMA declares the losses or damage experienced by homeowners to be a result of a 100-
year rain event LMCIT will not cover any losses for the sewer backup.
Sewer Fund Information
. We have 3551 sanitary sewer accounts
. As of 3/24/2005 the working cash in the sewer fund totaled $552,800
. Assuming the premium totaled $6,700 the cost per account would be $1.89 per year or
approximately $0.16 per month.
Information from Other Cities
. Cities contacted were West St. Paul, New Brighton and Coon Rapids that have the insurance
and Hastings that had insurance and later dropped it.
. Primary reason for purchase
o To provide another avenue of relief for homeowners
. Specific Responses from Cities
o West St. Paul- pop 19,655 (did not receive a call back before memo was copied)
.
o New Brighton - pop 22,332 (did not receive a call back before memo was copied)
.
o Coon Rapids - pop 62,295
· Have had the insurance since it's inception (2-3 years)
· Received about 10-15 claims total
· Had a couple of "problem areas" that they've since worked on
o Hastings - pop 19,792
· Had the insurance for about 1 year then decided it was not cost effective and
dropped it.
· Had very few claims - could not quantify "few" but stated that this was not
an effective use of city dollars and that the premium was expensive.
CITY OF HOPKINS
MEMORANDUM
Date: February 2, 2005
To: Mayor & Council Members
From: Christine Harkess, Finance Director
Re: No-Fault Sewer Backup Coverage
In light of the recent sewer backup issues we experienced in January and the losses experienced
by Hopkins homeowners, I explored the option of acquiring sewer backup insurance and the
premium cost to the city.
The following information is a result of that research:
. There are currently 50 cities that have this insurance with the LMCIT
. The underwriting criteria is very stringent - per our insurance agent
. We must own a Jet Vac or jetter vehicle (which we do)
. Premium cost is 8.5% of our liability premium or approximately $6,700.
. We have approximately 3,000 customers; therefore our cost per customer would
be about $2.23 or 18.75~ per month.
I reviewed the No-Fault Sewer Backup Coverage application with Mike Lauseng, Water/Sewer
Superintendent and he stated that we are doing everything on the application (copy enclosed with
his responses). In the event we decide to purchase this insurance we will have to provide
documentation to the underwriters, however Mike did not feel that would be a problem.
Covera2e Overview
As one of the memo's states, the coverage includes the cost of replacing and repairing damaged
property resulting from a sewer backup, as well as the clean-up and disinfection costs.
Attached are the details of the Comprehensive Municipal Coverage, No-Fault Sewer Backup
Coverage Endorsement. It basically states that all four conditions must be met in order for
LMCIT to pay a claim.
. The sewer backup resulted from a condition in the city's sewer system
. The sewer backup was not the result of an obstruction or other condition in sewer
pipes or lines which are not part of the city's sewer system or which are not
owned or maintained by the city.
. The sewer backup was not caused by or related to a catastrophic incident.
. The date of the occurrence giving rise to the claim for damages must be on or
after the retroactive date shown on the endorsement.
The policy does not pay for damages covered under a National Flood Insurance Program or for
which the property owner has been reimbursed or is eligible to be reimbursed by any
homeowner's or other property insurance.
Action Steps
. Determine if we would like to pursue this coverage
. Determine method of payment for the premium - Options are:
o Have the sewer fund absorb the premium cost
o Add an amount on the bill as a per customer charge for sewer backup
coverage - ie: $2.25 per year or 18-20~ per month.
. Apply for the coverage and go through the underwriting process
. Pass a resolution establishing limited sewer backup, clean up and property
damage protection.
. Inform the public via the city's web site, newsletter and press releases that we
have obtained this coverage and detailing what it does and does not cover.
. Ifwe don't have one, develop a sanitary sewer maintenance policy. The LMC has
provided me with a model policy - not attached.
LMC
LMCIT
Risk Management Information
League of Mi,mesota Cities
Cities promoting excellence
145 University Avenue West, St. Paul, MN 55103-2044
Phone: (651) 281-1200 . (800) 925-1122
Fax: (651) 281-1298 . TDD (651) 281-1290
www.lmcit.lmnc.org
OPTIONAL "NO-FAULT" SEWER BACK-UP COVERAGE
LMCIT offers property/casualty member cities "no-fault" sewer back-up coverage. This new
optional coverage will reimburse a property owner for up to $10,000 of clean-up costs and
damages caused by a sewer back-up, irrespective of whether the city was negligent or legally
liable for those damages.
This new coverage option is intended to do several things:
· To reduce health hazards by encouraging property owners to get back-ups cleaned up as
quickly as possible.
· To reduce the/frequency and severity of sewer back-up lawsuits. I.e., property owners may be
less inclined to sue if they receive conciliatory treatment at the time of the back-up.
· To give cities a way to address the sticky political problems that can arise when a property
owner learns that the city and LMCIT won't reimburse him for his sewer back-up damages
because the city wasn't negligent and is therefor not legally liable.
Many cities and their citizens may find this new coverage option to be a helpful tool. However,
it's also important to realize that it's not a complete solution to sewer back-up problems, and that
not every possible back-up will be covered.
What sewer back-ups would be covered by the new coverage?
The no-fault coverage would reimburse the property owner for sewer back-up damages,
regardless of whether the city was legally liable, if the following conditions are met:
· The back-up must have resulted from a condition in the city's sewer system or lines. A back-
up caused by a clog or other problem in the property owner's own line would not be covered.
· It's not one of the situations that's specifically excluded in the coverage.
· The coverage limit has not been exceeded.
Which situations are excluded?
The no-fault coverage will not apply in several "catastrophic" type situations. Specifically, these
are:
. Any weather-related or other event for which FEMA assistance is available;
. Any interruption in the electric power supply to the city's sewer system or to any citY sewer
lift station which continues for more than 72 hours; or
. Rainfall or precipitation that exceeds the amount determined by the National Weather
Service to constitute a 1 aO-year storm event.
What costs would be covered?
The no-fault sewer back-up coverage would reimburse the property owner for the cost of
cleaning up the back-up, and for any damage to the property, up to the coverage limit. For
purposes of the city's deductib1es, claims under the no-fault coverage are treated as liability
claims, so the same per-occurrence and/or annual deductib1es will apply.
However, there are certain costs that would not be reimbursed under the no-fault coverage:
. Any costs which have been or are eligible to be covered under the property owner's own
homeowner's or other property insurance; and
. Any costs that would be eligible to be reimbursed under an NFIP flood insurance policy,
whether or not the property owner actually has NFIP coverage.
What is the coverage limit?
The limit is $10,000 per building per year. For purposes of the limit, a structure or group of
structures that is served by a single connection to the city's sewer system will be considered a
single building.
Only true "no-fault" claims are counted toward the $10,000 limit. Claims for damages caused by
city negligence, for which the city would be legally liable in any case, are not charged against
that limit.
What does it cost?
The premium charge for the optional no-fault sewer back-up coverage will be 8.5% of the city's
municipal liability premium. The LMCIT Board's intent is that this coverage option be self-
supporting, so we'll be monitoring and if necessary adjusting these charges in the future.
2
Is every city automatically eligible?
No. The city will need to meet these underwriting criteria:
· The city must have a policy and practice of inspecting and cleaning its sewer lines on a
reasonable schedule.
· If there are any existing problems in the city's system which have caused back-ups in the past
or are likely to cause back-ups, the city must have and be implementing a plan to address
those problems.
· The city must have a system and the ability to respond promptly to back-ups or other sewer
problems at any time of the day or week.
. The city must have in place an appropriate program to minimize stonnwater inflow and
infiltration.
. The city must have in place a system to maintain records of routine sewer cleaning and
maintenance, and of any reported problems and responses.
We'd stress that in making the underwriting evaluation we're trying to focus on reasonableness,
rather than on creating very specific standards. That is, the intent isn't to set an arbitrary
requirement that sewers be inspected and cleaned every six months or every three years or
whatever. What makes sense in one city with some older and sometimes sagging clay lines
probably wouldn't make sense in a city with newer plastic lines, and vice versa. From the
underwriting standpoint, the real concern is that the city has considered its own situation and
developed polices, practices, and schedules that make sense for its own situation.
How would the no-fault coverage work if we had a sewer back-up that was caused by city
negligence, and where the city was legally liable for the resulting damages?
If the situation isn't one where the no-fault coverage applies, the city's LMCIT liability coverage
would respond just as it does now. That is, LMCIT would investigate and if necessary defend the
claim on the city's behalf, and would pay the resulting damages if in fact the city is legally liable
for those damages.
The same would be true for damages that exceed the $10,000 no-fault limit, or for a subrogation
claim against the city by the homeowner's insurance company. The city's existing LMCIT
liability would respond just as it does now.
What's the legal basis for this coverage? Wouldn't it be a gift of public funds to pay
damages that the city isn't legally liable for?
First, as noted earlier, one goal is to help reduce health hazards by encouraging prompt clean-
ups. That's clearly a public purpose and in the public interest.
3
Second, the law and facts surrounding most sewer back-up claims are rarely so clear that the
liability issue is entirely black and white. There's virtually always a way that a claimant's
attorney can make some type of argument for city liability. Having this coverage in place should
help eliminate the need to spend public funds on litigation costs in many of these cases.
Finally, part of the process for putting the coverage in place is for the city council to pass a
formal resolution that makes this no-fault sewer back-up protection part of the agreement
between the city and the sewer customer. The idea is that by paying his sewer bill, the sewer user
is purchasing not just sewer service but also the right to be reimbursed for certain specified sewer
back-up costs and damages. In other words, the basis for the no-fault payments to the property
owner would be the contract between the city and the sewer user.
How do we put coverage in place?
Contact your LMCIT underwriter for an application. If the city qualifies for coverage, we'll send
the city a formal quote, along with a model resolutiol).. To put coverage in place, the city council
must formally pass that resolution, and send a copy to LMCIT.
If the city decides to add this coverage, it will also be important to make sure the citizens know
about it. LMCIT can also provide models for a press release, newsletter article, utility bill insert,
etc.
Who can we contact with questions or comments?
Contact your LMCIT underwriter, or Pete Tritz at the League office.
We're also interested in hearing cities' reactions to this new coverage option, especially if there
are changes you'd like to see.
PST 3/1 0/2003
4
COMPREHENSIVE MUNICIPAL COVERAGE
No-Fault Sewer Back-up Coverage Endorsement
1. Section I, Coverage A, Municipal Liability Coverage, is amended to include no-fault
sewer back-up coverage as outlined below.
2. No-fault sewer back-up coverage
a. If all of the following four conditions are met, LMCITwill pay for claims presented
by the city for sewer back-up damage to property of others which were not
caused by city negligence:
(1) The sewer back-up resulted from a condition in the city's sewer system;
(2) The sewer back-up was not the result of an obstruction or other condition in
sewer pipes or lines which are not part of the city's sewer system or which
are not owned or maintained by the city; and
(3) The sewer back-up was not caused by or related to a catastrophic incident.
(4) The date of the occurrence giving rise to the claim for damages must be on or
after the retroactive date shown on this endorsement.
b. However, LMCIT will not pay for any damages or expenses:
(1) Which are or would be covered under a National Flood Insurance Program
flood insurance policy, whether or not such insurance is in effect; or
(2) For which the property owner has been reimbursed or is eligible to be
reimbursed by any homeowners' or other property insurance.
3. Definitions
For purposes of this endorsement, the following definitions apply.
a. Catastrophic incident means any of the following:
(1) Any weather-related or other event for which FEMA (Federal Emergency
Management Administration) assistance is available;
(2) Any interruption in the electric power supply to the city's sewer system or to
any city sewer lift station which continues for more than 72 hours; or
LMCIT
ME077(i 1/00)(Rev. 11/02)
Page 1 of 2
(3) Rainfall of precipitation which exceeds the amount determined by the
National Weather Service to constitute a 1 OO-year storm event.
b. Sewer back-up damage means
(1) Damage to property; and
(2) Removal and clean-up costs.
4. Annual limit
LMCITwill not pay more than $10,000. for sewer back-up damage to any building
under this endorsement, regardless of the number of occurrences or the number of
claimants. For purposes of this limit, a structure or group of structures served by a
single connection to the city's sewer system is considered a single building.
5. Deductibles
The amount LMCIT pays for sewer back-up damages under this endorsement is
subject to the Municipal Liability Deductible shown in the Municipal Liability
Declarations or the General Annual Aggregate Deductible if any shown in the
Common Coverage Declarations.
For purposes of the Municipal Liability Deductible, all claims for sewer back-up
damages which are covered under this endorsement, which occur within a 72 hour
period, and which result from or are related to the same condition or conditions in
the city's sewer system are deemed to be a single occurrence.
6. Retroactive Date
The retroactive date for this endorsement is
All other terms and conditions remain unchanged.
LMCIT
ME077(11/00)(Rev. 11/02)
Page 2 of 2
Public Warks Department
Memorandum
To:
Christine Harkess, Finance Director
Copy:
~
Steven J. Stadler, Public Works Director
From:
Date:
March 24, 2005
Subject:
Sanitary Sewer Backups History - 2004 & 2005
During 2004, we had 24 sewer backups that involved either a partial or complete
blockage of the city collection pipe. The attached jet-vactor truck operator log shows
our 2004 work with this sewer-cleaning truck. The log entries that are blacked-out in
, the left column are the dates and locations of each city response to a call for service
due to water standing in a floor drain or slow running drain. None of these service call-
outs resulted in property damage due to sewage backup.
To-date, we've had two service calls for backups in 2005. One of these calls was for
the blockage that resulted in the sewage backup in the basement of the residence just
east of the Lake Street bridge. The next previous basement backup that resulted in
damage occurred in early 2003.
REMARKS
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