How Do Service Lines Become Damaged?
You’d think that a strong pipe buried several feet underground would be safe from harm — but sometimes, that’s not the case. Although many of the problems listed below can take years to develop, they all can potentially lead to service line wear, breaks and eventually, service line failure. Here’s a list of the ways service lines can be damaged.
Frost Heave and Line Freezing
As the fall turns to winter, rainwater that’s saturated the soil around your home can freeze at the surface. This expansion of ice can cause sewer lines to “heave” upwards. The results can have a big impact on the pipes buried in your yard. When heaving is present on your property, it’s important to know how to inspect your foundation for signs of damage, too.
Corrosion and Rust
Over time, iron and steel-based sewer lines can oxidize and corrode. Small holes develop and fluid can leak out, further eroding the pipe.
Root and Tree Invasion
Nearby tree roots may be attracted to an active leak in your sewer line. Small tendrils of roots can infiltrate tiny crevices in pipes can crack them open over time as the roots continue to grow.
Line Collapse From Above-grade Items
If a heavy tree were to fall across your front yard, that force is sometimes enough to break buried sewer lines. Sometimes, even the weight of excavation equipment or moving trucks parked on the grass is enough to damage or destroy these lines. Landscaping accidents like these frequently crush sewer lines.
Stray Electrical Current
Arcing from frayed underground wiring can melt plastic service lines and degrade metal and iron pipes.
What Does Service Line Coverage Cost?
The small cost of service line insurance can really pay off if you ever need to repair or replace a damaged line. After you’ve paid the deductible, you’ll be covered up to the policy limit. Coverage is very affordable with additional service line coverage costing just $20 annually.
Do You Need Water, Sewer and Power Line Insurance?
Considering the high costs related to these types of repairs, it’s a smart choice to add this coverage to your policy. And it’s affordable! In fact, it’s often less than a meal out with the family each time your policy is up for renewal.
Service Line Coverage FAQs
We’ve got answers to some of the more common questions about your service line coverage.