Does Homeowners Insurance Cover Sewer Line Damage?

Homeowners insurance is a critical component of protecting your home and your assets. It is important to understand what is covered by your policy and what is not. One of the most common questions homeowners ask is whether their insurance will cover damage to the sewer line.
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Without an additional endorsement to your policy, sewer line damage from common causes is typically not covered by homeowner's insurance. You can increase your policy's service line coverage to protect your sewer lines.

What is Covered? 
In most cases, homeowners insurance will cover damage to a sewer line. This includes repairs or replacements due to damage from disasters, such as windstorms, fire, and even damages caused by vehicles. Additionally, some policies may cover damage caused by tree roots that have invaded the sewer line. 

It's a good idea to speak with your policy provider to determine if tree root damage is ever deemed unexpected and accidental. In either case, it's crucial to inspect your system routinely to see if any roots intrude into your sewer.

However, homeowners should be aware that most policies will not cover damage caused by faulty installation or use of the sewer line. For example, if a homeowner uses a pipe cleaner unsuitable for the type of pipe in their home, the insurance will not cover the damage that results. 

What is Not Covered? 
Wear and Tear
In addition to the scenarios listed above, most homeowners insurance policies will not cover damage caused by normal wear and tear. This includes corrosion, gradual deterioration, and blockages caused by grease or similar substances. 

Flood
Many policies may not cover damage caused by floods or sewer backups unless the policy includes specific coverage for these events. Homeowners should read their policies carefully to determine what is covered and what is not. 

Conclusion 
Homeowners should understand what their insurance policy covers concerning damage to the sewer line. In most cases, damage caused by natural disasters and tree roots is covered, while damage caused by normal wear and tear is not. Additionally, any damage caused by floods or sewer backups may or may not be covered, depending on the specifics of the policy.

At Auto Express Insurance, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at (832) 232-4655. You can also request a free quote by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!