Is a Sewer Line Replacement Covered Under Homeowner Insurance?

No homeowner wants to find out they need a sewer line replaced. Not only can it mean digging up your yard and the inconvenience of no plumbing in your home until it is fixed, it is an expensive project. If you come home to a sewage backup into your home or a sink hole in your yard due to a broken sewer pipe, you need to know your options, especially when it comes to managing the cost. In some cases, you may be able to make a claim to your homeowner insurance to help pay for the repair or replacement of your sewer line.

Replacing Old Sewer Lines

If your sewer line is a few decades old and finally cracked from general wear and tear, it is unlikely that this will be covered by homeowner insurance. Pipes wear out and it is expected that they will need replacement eventually.

Check Your Policy

Whether or not you can use your homeowner insurance to help offset the cost of replacing your sewer line depends on a few different factors. What caused the damage to the sewer line is important – was it an earthquake, flood, crushed under a vehicle, or tree root invasion? Next, it depends on your policy and insurance carrier. Some situations may be covered under a general policy, but damage from natural disasters like earthquakes may require a special type of coverage. The best way to find out if you are covered is to carefully read through your policy or talk to your insurance agent.

While sewer line replacements are not cheap, it is a project that usually only needs to be done once every few decades. Talk to your local sewer line installation contractor to discuss your options to find the best way to cope with the cost.

Posted on behalf of:
Metro Septic LLC
1210 N Tennessee St
Cartersville, GA 30120
(678) 873-7934

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