Will Homeowners Insurance Cover Broken Sewer Line?
14231 POINTSview profileTom SheehanAgency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482Good idea to check with your Insurance Professional about your particular policy, but in general, it is not likely that your Homeowners' policy will cover a broken sewer line. For the most part, these breaks can occur due to some form of earth movement around the pipe and earth movement damage is excluded from coverage in a standard Homeowners' policy unless endorsed onto the contract.Answered on September 5, 2014flag this answer
37376 POINTSview profileDavid G. Pipes, CLU®, RICP®Business Development Officer, T.D. McNeil Insurance Services, Fresno, CaliforniaA homeowner’s policy protects property against damage caused by a list of perils. As mentioned, earth movement is not one of the covered perils in most policy. However, if the line is damaged by one of the named perils, there would be coverage. The policy does not intend to cover routine maintenance items, it is designed to assist in those damage situations that are too great to handle.Answered on September 5, 2014flag this answer
109 POINTSview profileKristen DucharmeCIC, Brooks Robb & Callahan,The correct answer here is sometimes. With an ever changing insurance world service line coverage is becoming available with more and more companies! Your best bet is to call your agent and ask if an endorsement can be added to your existing homeowners insurance policy in order to a lot for some sewer line coverage.Answered on August 9, 2016flag this answer
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