HOW SEWER LINE REPAIR AFFECTS YOUR HOME INSURANCE
Sewer Line Issues Can Affect
the Value of your Home
MOST Sewer Line issues
that result in damage to the home & property
ARE NOT COVERED BY
HOMEOWNERS INSURANCE!!!
Unfortunately, too many Homeowners
experience significant damage
to their Sewer Lines &
falsely believe that their home & property
are covered in their
Homeowner Insurance policy.
To protect your home from sewer line damage,
you’ll likely need either a service line endorsement
from your Homeowner Insurance Provider.
What is a "Service Line Endorsement"
or "Sewer Backup Coverage"?
If the sewer line is damaged by
a sudden and accidental event like
a fallen tree, a fire, or a lightning strike,
and it's located on your property,
- your standard policy may cover it.
If not, then a
"Service Line Endorsement"
(also called Buried Utility Line Coverage)
can be added to most Homeowners Insurance policies.
It typically covers:
* Clogs, Leaks & Breaks
* Excavation
* Landscaping Restoration
Things NOT Usually Covered
by your Homeowners Insurance Policy:
* Wear and tear:
Damage due to aging, corrosion
or poor maintenance
* Tree root intrusion:
(Not covered unless you have
a service line endorsement)
So, what is "Sewer Backup Coverage":
This is a separate endorsement
that covers damage inside your home
caused by sewage backing up through drains or toilets.
What Can You Do To Protect Your
Home or Property?
Make sure to double-check
with your Homeowner Insurance Provider
whether you DO or DO NOT have a
addition to your policy.
Most insurers offer these endorsements
for a modest annual premium (often $30–$100)
Also, regular sewer inspections
can help homeowners prevent any
accumulative wear & tear from damaging
their sewer line pipes.
(Remember, Homeowners are LIABLE
for any sewer inspection or repair issues
on their property to the road)