Homeowners insurance policy

krc1995

krc1995

Heisman Trophy Winner
We have a break in our sewer line between the street and our house, but on our property. It is mostly likely (according to plummer) due to a tree root. My homeowners policy excludes back up of sewer or drains for damage by water from outside the plumbing system which backs up through the sewers or drains. My question is if the break is on our property isn't that within the plumbing system that was installed as part of the cost of building the house? Therefore, it should be covered, right?

 
krc1995 said:
We have a break in our sewer line between the street and our house, but on our property. It is mostly likely (according to plummer) due to a tree root. My homeowners policy excludes back up of sewer or drains for damage by water from outside the plumbing system which backs up through the sewers or drains. My question is if the break is on our property isn't that within the plumbing system that was installed as part of the cost of building the house? Therefore, it should be covered, right?
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Probably not. It would likely be like replacing a rotten window or an old (not storm damaged) roof. It will probably be your responsibility, and an expensive one at that. If it is in the Omaha area, I know someone who does that for a living.

 
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No, your screwed. Even if your eater line broke underneath your driveway, you have to pay for it all, even the water that poured out.

 
not covered, it is always important to read your policy and ask your agent for any special endorsements or additional coverages you can get, sure it costs a little more but it does come in handy when you need it. I pay $25 extra for sump pump overflow and it came in very handy this summer.

 
I agree, I think you are S.O.L. This was one of my fears when we moved into our new home. I made sure to get the extra converage on my sump pump and sewer line just in case. Sucks........ :bs:

 
Yup-agent said it is routine maintence. We were lucky, no water damage although the policy would have covered that, after deductable. Estimate is $1500. I don't think that is horrible.

 
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