What Happens If the City Denies Your Sewer Backup Claim?

Receiving a denial letter from a city after filing a sewer backup claim can be frustrating. After documenting the damage, completing a Notice of Tort Claim, and waiting through the claims process, many homeowners assume that a denial means their case is over.

In many situations, that is not the case.

A municipality’s decision to deny a claim during the pre-litigation process does not necessarily mean it cannot be held legally responsible. Rather, it often marks the beginning of the next stage of the legal process.

A Denied Claim Is Not the Final Decision:

Cities and their insurance carriers routinely evaluate and respond to claims filed against them. A denial simply means the municipality has chosen not to voluntarily resolve the claim during the administrative process.

Depending on the facts of the case and the applicable law, homeowners may have additional legal options available after a denial.

Why Are Claims Denied?

Every claim is different, but municipalities may deny claims for a variety of reasons, including:

• Disputes regarding the cause of the sewer backup
• Allegations that the municipality was not negligent
• Questions regarding the extent of the damages
• Procedural or legal defenses
• Disagreements regarding liability

A denial does not automatically mean these positions are correct. It simply reflects the municipality’s position at that stage of the claims process.

The Importance of Legal Representation:

Claims involving municipal sewer backups often require a thorough investigation. Determining the cause of the backup may involve reviewing maintenance records, consulting with engineers, evaluating inspection reports, and preserving evidence related to the incident.

An experienced attorney can help evaluate whether the municipality’s denial is supported by the facts and advise homeowners regarding the next steps available under Oklahoma law.

Real Results:

At Oklahoma Sewer Lawyers, we have represented homeowners throughout Oklahoma who were initially told that the city was not responsible for their sewer backup.

For example, in 2020, our clients were informed by the City of Durant that it denied responsibility for a sewer backup that caused extensive damage to their home. Rather than accepting that decision, our attorneys continued to investigate the case and pursued the matter through trial. The jury ultimately returned a $400,000 verdict in favor of our clients.

While every case is unique and past results do not guarantee future outcomes, this case illustrates that a denial from the city is not always the final word.

Contact Oklahoma Sewer Lawyers:

If your municipal sewer backup claim has been denied, do not assume your legal options have ended. The attorneys at Oklahoma Sewer Lawyers can evaluate your claim, explain your rights, and help determine the appropriate next steps.

Office: (405) 604-5577

Email: oksewerlawyers@gmail.com