Will Homeowners Insurance Cover a Broken Sewer Line?

When you bought your house, you likely had to also purchase a homeowners insurance policy. Not only is this required for most mortgages, but it also provides peace of mind and financial protection if there’s ever major damage to your home.

Homeowners Insurance Cover a Broken Sewer Line

However, homeowners insurance doesn’t cover everything. One common question we get is, “Will insurance cover a broken sewer line?” It’s not a straightforward answer but allow us to explain.

What is a sewer line?

Any time you flush a toilet or wash something down a drain, that wastewater will end up in the sewer line. This is an underground, horizontal pipe that connects your home to the municipal sewer system.

Sewer line pipes are designed to last for a long time but there’s not invincible. There are many ways a sewer line can get damaged. Over time, they can break down and crack, especially older pipes made out of outdated materials like Orangeburg and cast iron. Sewer lines can also become clogged by a collection of oils, food particles, and solid objects. Finally, tree roots can grow into the pipe, which results in blockages and leaks.

When any of these scenarios happen, the sewer line pipe will either need to be repaired or replaced. No matter the reason, a sewer line issue needs to be dealt with right away. Otherwise, you could have raw sewage seeping into your property or backing up into the home.

How to tell if your homeowners insurance covers sewer line repair or replacement

There’s no simple or one-size-fits-all answer to determine if work on your sewer line will be covered by insurance. To get a better idea for your situation, here are four areas to investigate.

  • Insurance provider. Every company has different coverage exceptions for things like normal wear and tear, earthquakes, floods, and acts of God.
  • Extra coverage. Look at your policy documents to see if you signed up for optional coverage that may apply. For example, some homeowners add flood or earthquake insurance if their home is at a higher risk for those episodes.
  • Cause of the pipe damage. The reason why the sewer line is damaged can determine whether the work will be covered or not. For example, if the pipe was 40 years old and it leaked from normal wear and tear, that will probably not be covered by insurance. But if the damage was caused by something out of your control like vandalism, faulty work, or a specific event that you have coverage for, then your odds are much better.
  • Your deductible limit. Sewer line repairs and replacements are majors jobs. But depending on your policy’s deductible, you may not meet the out-of-pocket expenses limit before the coverage kick in.

Sewer line repair and replacement in Evansville, IN

In a perfect world, you’ll never have to worry about repairing or replacing your sewer line. But if you do, hopefully, you now have a better idea of whether your homeowners insurance policy will cover it.

Aside from the finances, you also want to make sure the sewer line work is done properly with the least disruption to your property and home. That’s where the plumbing experts at Baylor Heating & Air Conditioning, Inc. can help. If you are having problems with your sewer line, call us right away at (812) 425-8435 for a professional inspection and recommendation.