Will Homeowners Insurance Cover Broken Sewer Pipe?
37376 POINTSview profileDavid G. Pipes, CLU®, RICP®Business Development Officer, T.D. McNeil Insurance Services, Fresno, CaliforniaBroken sewer pipes are not normally covered by a homeowner’s policy. The “peril” that probably broke the pipe is earth movement which is excluded. Flooding could have contributed but it is doubtful that the pipe was damaged by fire or lightning. If you think that you have a claim, though, discuss it with your agent or with the claims department.Answered on May 19, 2014flag this answer
14231 POINTSview profileTom SheehanAgency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482More than likely no, there would be no coverage in your Homeowners' policy. Fore the most part, if a pipe like that were to be damaged, it would be due to earth movement, which is an excluded peril in your Homeowners policy. That having been said, talk to your Insurance Professional because you can usually endorse your homeowners policy to include such a loss cause. Now also remember that if the pipe was damaged because a truck happened to drive over the area and cause the earth to compact causing the pipe to break, then the contractor and his insurance company would be responsible for the repair.Answered on May 23, 2014flag this answer
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