The problems caused by a damaged sewer line can be as costly as they are disruptive. Whether or not your homeowners’ insurance will cover the damage depends on several factors, and having a better understanding of your coverage can help keep you better protected. Our experienced Westmoreland County sewer line repair pros at American Sewer Specialist are standing by to help keep your home running smoothly with expert sewer line maintenance and repairs.
Sewer Line Coverage in Standard Homeowners Policies
Whether or not your sewer line damage in Westmoreland County will be covered by your homeowners’ insurance depends on your policy, the damage in question, and what caused it. A standard homeowner’s policy generally affords what’s called dwelling coverage.
While the sewer pipes on your property may be covered, the coverage is likely limited to sudden and accidental damage. This is as opposed to the damage associated with Westmoreland County’s harsh winters, aging infrastructure, and mature trees. Prime examples of damage that tends to be covered by standard homeowners’ insurance include all the following:
- Damage related to a fire or explosion
- Accidental damage caused by construction equipment or vehicles
- A tree root intrusion that causes a sudden break
- A sudden pipe collapse caused by the ground suddenly shifting, such as in an earthquake
Issues related to normal wear and tear, damage caused by long-term tree root growth, or corrosion, however, generally aren’t covered. And factors such as the age of your pipes, your maintenance records, and any clear signs of neglect will play a key role in whether your claim is approved. In other words, the sewer line damage covered by a standard homeowner’s policy is highly specific.
Endorsements that Can Make a Difference
If your homeowners policy includes endorsements, which are advised for Westmoreland County’s many older neighborhoods, you’ll likely have more considerable coverage. These can prove especially important for homes that still have the original sewer lines in place.
Sewer Line Coverage
A sewer line endorsement generally covers damage to underground utility lines like the sewer and water lines on your property.
Water Backup Coverage
Water backup endorsements cover sewer backups into the home, which are generally excluded from standard policies.
Endorsements like these tend to be relatively inexpensive but can save you a bundle if you experience major sewer line damage.
Regular Maintenance Plays an Important Role in Coverage
The insurance company handling your claim will be interested in whether or not you’ve taken the reasonable steps necessary to care for your sewer system. This means that regularly scheduled professional maintenance is not only an excellent idea but can also make a big difference in how your claim is resolved.
Our Dedicated Westmoreland County Sewer Repair Specialists Are Here to Help
Our trusted Westmoreland County sewer repair pros at American Sewer Specialist are committed to skillfully repairing and maintaining your sewer lines and providing the necessary documentation to help you get your claim approved. Learn more about everything we can do to help by contacting us online or calling us at 724-879-8130 today.
