Is Sewer Line Replacement Covered By Homeowner’s Insurance?
It’s unlikely that your homeowner’s insurance will cover replacement of your sewer line, but it’s still worth double-checking.
Traditionally, insurers would only cover damage to the house in cases of sewer backup or spills, not repairs. It doesn’t matter if your sewer line is severely damaged or not.
If you’re in a plumbing emergency, you should look into getting your insurance agency’s inspector as well as a licensed public adjuster. This way you can try and maximize the amount the insurer will pay.
What Policies Cover Sewer Line Replacements?
If you’re looking for an insurance policy and are worried about sewer line spills or clogs, ask about ‘service line’ or ‘utility line coverage’. Not all insurers will have them, but it is usually an inexpensive addition to your homeowner policy.