Updated January 1, 1 . AmFam Team
There’s a lot going on under your home that helps to keep it connected to the outside world. Chief among those systems are underground sewer pipes that play a critical role in your home’s day-to-day operations. When the unexpected happens and damage occurs to your sewer pipes, you need to know if home insurance covers sewer line replacement because repairs will need to be made quickly — and they can get costly.
So, is sewer line replacement covered by homeowners insurance? The truth is, it depends what caused the problem and whether the damage to the line is considered a “covered loss.” Here’s a look at a few common causes of damage to sewer lines that are typically covered under a standard homeowners policy:
Here are a few examples of acts of God that are covered by your homeowners insurance sewer line protection:
These are a few examples of acts caused by others that are usually covered by a standard homeowners policy:
Homeowners insurance coverage can help cover the costs of sewer line replacement under certain circumstances. But to be sure that you’ve got the coverage you need, you may want to pick up additional service line coverage, which includes sewer and other service line protection. It covers a wider array of issues and losses — more than just your sewer line. You’ll get coverage for buried water and natural gas lines and electric cables among others.
Water can do major damage to your home. There are many instances when your standard homeowners policy may not offer the coverage you need to keep your home fully protected. For instance, are tree roots in the sewer line covered by insurance?
Or, suppose your sewer backs up after a storm because the sump pump failed during a power outage. You may not be able to file a claim to cover damages without added sump pump failure and water backup coverage. If you live in an area that sees a lot of rainfall annually or if your home’s got an older sump pump, you may want to consider this add-on coverage. Be aware however, that damage to sump pumps due to wear and tear will not be covered.
Is sewer line repair covered by homeowners insurance? In most cases, if the issue doesn’t qualify as a covered loss, you probably won’t be allowed to file a claim. Here’s a list of sewer line-related problems that a typical homeowners policy will not cover:
Although it’s never something you look forward to, you may need to file a homeowners insurance claim with American Family one day. When the unexpected happens and your sewer line suffers a loss, our claims professionals will help you efficiently process the claim. There are several ways you can file a claim with us:
While you’re considering your sewer line coverage options, be sure to connect with your American Family Insurance agent (Opens in a new tab). They can help you understand exactly how you’re covered and point you to coverage options that fit your home’s exact needs, like optional flood insurance if necessary. With the right coverage, you can find real peace-of-mind with the knowledge that everything you’ve worked so hard for is well protected.
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