Will Homeowner’s Insurance Cover Sewer Line Repairs?

Since the majority of water line or septic system repairs are necessary due to normal wear and tear or root intrusion, the unfortunate truth is that most homeowner’s insurance companies will not pay for the cost. It doesn’t matter if it’s a small leak, or the replacement of the entire sewer system, you will most likely have to pay for the expense yourself.

There are exceptions to this rule, such as if the septic system or water line was damaged by a third party. For an example, if a contractor accidentally cuts through your water line, or a bitter ex-tenant pours concrete into your septic system, your homeowner’s insurance should pay for any necessary repairs or replacement.

Policies also typically cover the cost for repairs due to damage caused by “acts of God,” such as:

  • Fire
  • Wind
  • Hail
  • Lightning
  • Explosions
  • Falling objects

So, if a tree topples over during a windstorm, damaging your water line, your homeowner’s insurance will likely pay the claim. However, not all weather-related damage may be covered. Most homeowner’s policies have exemptions for damage caused by floods and earthquakes, so be sure to check for any exclusions.

If your septic system or water line is in need of repair, call the experts at EcoClean. We offer a variety of plumbing services, such as sewer pipe replacement and repair, water jetting and snaking. Give us a call today at (207) 482-0456.