If you have just found out you will need to have some or all of your sewer lines repaired or replaced, you may be wondering if homeowner insurance will cover these costs. Unfortunately, there is no simple answer to this question without knowing how the sewer lines were damaged and what type of coverage you have on your policy. The good news is that some sewer line repairs can be covered under insurance, making it worth the effort to investigate.
Determining the Cause of Damage
One of the biggest factors in determining whether sewer pipe damage will be covered under an insurance policy is the cause of the damage. Generally, normal wear and tear or issues caused by poor maintenance are not covered by insurance. Usually it must be a circumstance that was out of your control, such as an earthquake, flood or poorly installed pipes.
If your insurance policy covers the weather or earth-moving event that caused the damage, there is a good chance that the repairs will be covered. However, keep in mind that the insurance inspectors will be looking at the condition of the pipes. In some cases, it may be determined that the pipes were not properly maintained, making them susceptible to damage.
To find out if your sewer line repairs will be covered under your home insurance, call your insurance company and ask about coverage. This is a good opportunity to find out exactly what is covered under your policy and make adjustments as needed for possible future problems. If the repairs are covered, talk to your insurance about scheduling your needed repairs with your local sewer repair company.
Posted on behalf of:
Septic Service Pro, LLC
Peachtree Street NW
Atlanta, GA 30334
(678) 292-8728
