Does Your Insurance Cover Sewer Line Replacement?

When you realize you have a broken sewer line, the first thing to run through your mind may be the cost. Sewer line repairs or replacement are expensive – it can cost thousands of dollars to fix a sewer line problem. One way to mitigate the cost is to find out whether your homeowner’s insurance could cover some or all your sewer line repair.

Not all homeowner’s insurance covers sewer line repairs, but some have limited coverage. If the sewer pipe breaks due to a natural disaster, damage from weight or other accidental incidents, there is a chance that the replacement may be covered under some insurance plans. You would need to check with your homeowner’s policy and read the fine print regarding these special types of repairs or talk to your insurance agent. However, there are some causes of damage that are most always NOT covered under insurance, like wear and tear or damage to the sewer line connection to the city main line.

If you do not have sewer line replacement on your homeowner’s insurance, you may be looking at paying for your repair out-of-pocket. If you have not had a sewer line problem yet, call your insurance agent. Find out if coverage is available for your sewer lines to protect you in case of accidental damage.

Keep in mind that sewer lines will eventually need replacement due to normal wear and tear. It is better to be proactive and replace old pipes that are beginning to deteriorate before they cause a sewer backup and need emergency replacement. Schedule an inspection of your sewer lines to make sure they are clear and in good condition as part of your regular home maintenance.

Posted on behalf of:
Bynum & Sons Plumbing, Inc.
2120 McDaniels Bridge Rd SW
Lilburn, GA 30047
(770) 736-8283

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