Is Sewer Line Repair Covered by Your Homeowners’ Insurance?

One thing many people find themselves wondering is whether sewer line repair is covered by their homeowners’ insurance? After all, homeowners’ insurance protects you and your home from the various things that could go wrong. And with homeowners’ insurance, you can rest assured that your property remains safe in the event of an emergency.

Is It Covered?

So, is sewer line repair covered by your homeowners’ insurance? A broken sewer system certainly causes a lot of damage to the home since a burst pipe could destroy flooring, walls, and even personal belongings. And though homeowners’ insurance covers various other at-home emergencies, it doesn’t cover a damaged sewer line. How can this be? Typically, homeowners’ insurance doesn’t consider your sewer line a part of your home, even though it is a part of your property.

Pro Tip

Sometimes, homeowners’ insurance will cover part of the repair costs for a damaged sewer line. However, you will have to pay extra to get this coverage, as it’s often a rider on your homeowners’ insurance. For instance, your insurance should cover some of the costs if you insure other structures on your property and something goes wrong with the sewer line.

What Coverage Do I Need?

If you’re buying an older home and have concerns about the risks associated with this decision, you can buy sewer line insurance. Noting the age of your home is important because, as a house ages, various things can go wrong. The building materials used back in the day aren’t the same as what we use now. Of course, regardless of the age of your house, things can go wrong with your sewer line.

Tips To Avoid a Sewer Line Problem

Preventing a septic problem is ideal to avoid this situation altogether. Some of the easiest ways you can prevent this at-home emergency are to:

• Call a repair company as soon as you notice a problem.
• Avoid flushing non-disposable items down the toilet.
• Make sure landscaping doesn’t interfere with pipelines.

Sometimes, avoiding this issue is impossible, especially in older homes where piping may not be up to date with modern technology. But by working to avoid a clogged sewer line, you prevent the damage your home may otherwise face.

Your standard homeowners’ insurance won’t cover the costs of repairing a sewer line. Paying the extra money to have your sewer line covered is worth it because repairs are expensive in the event of an emergency.

Even if you have insurance, you should work to prevent this problem and consult an expert as soon as you notice an issue. For sewer line repair and trenchless pipe lining that won’t destroy your yard, contact Complete Trenchless. One of our team members can happily inspect your home for necessary repairs-this isn’t a problem you want to wait on!