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Does Insurance Cover Sewer Line Replacements or Repairs?

underground sewer line trench surrounded by dirt & land

Insurance coverage of sewer line repairs or replacements can be tricky. Many different factors are considered when this type of work needs to be done. Here are a few things to know about insurance coverage for sewer line repairs or replacements.

The Basics of Homeowners Insurance Coverage for Sewer Lines

The main factor considered for sewer line insurance claims is the same as any other part of your home. Homeowners insurance will generally cover issues that are brought on through no fault of your own. Situations like bad weather or vandalism will typically be covered when they happen to any aspect of your house. This includes a sewer line.

However, there are many situations in which homeowners insurance won’t provide coverage. Owner negligence or owner failure to maintain will not be covered by insurance. This includes every part of your home, including the sewer line.

Coverage Amount for Sewer Line Repair or Replacement

Most homeowner policies consider the sewer line an “other structure.” This means that it doesn’t cleanly fall into any category. Parts labeled “other structure” tend to be covered up to 10% of the home’s value. Fortunately, this can be a sizeable sum of money — enough to take care of any significant issues that need to be addressed.

When Sewer Lines Should (and Should Not Be) Covered

There are a variety of situations in which sewer line repair or replacement is more likely to be covered by homeowners insurance. These include:

  • Major weather events
  • Explosions
  • Lightning or fire
  • Vandalism or riots
  • Falling objects
  • Vehicle accidents

There are also situations in which insurance will likely not cover sewer lines. These include:

  • Homeowner sewer line neglect
  • Major backups and clogging
  • General wear and tear
  • Tree root growth

It’s important to talk to your homeowners insurance agent to learn more about exactly what is covered in your policy. You are less likely to run into a surprise bill for sewer line replacement or repair when you fully understand your policy’s coverage.

Superior Drainage Can Fix Your Sewer Issues

Whether or not your insurance covers the damage, you will need experts to handle your sewer line repair or replacement. Depend on Superior Drainage to handle the job. Our expert staff has the tools and talents needed to inspect your sewer line and determine the best fix for your problems. When we’re finished, we promise that you’ll be glad you chose us for the job.

Count on a company with 25+ years of experience to perform sewer line repair or replacement at your property. Contact Superior Drainage today to get started.

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