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Remain in your home for years or decades and your sewer line will eventually clog or suffer damage. Some residential sewer lines clog on a yearly basis while others remain clog-free and damage-free for half a decade or longer.
Does home insurance cover such clogs?
Rising Star Insurance, serving Saint Paul, MN, has the inside scoop on potential coverage for sewer line clogs.
Home Insurance and Sewer Lines
A clogged sewer line is likely to cause your washing machine drain pipe to back up with sewage. If the clog remains, that sewage will spill out of the basement washing machine drain pipe, spreading onto the floor.
What happens next?
Your thoughts shift to plumbing assistance and a potential home insurance claim. Though not guaranteed, there is the potential for your home insurance provider to cover clogged and damaged sewer lines.
What matters most is that your policy contains language specifying coverage for sewer lines. In some instances, homeowners fail to add an endorsement or other language to the policy covering sewer line damage and backups.
If there is no endorsement, the insurer might not cover part or all of the cost of sewer line repair. However, some standard home insurance policies cover the repair of a sewer line if the damage or clogging is caused by a covered peril.
Document the Incident
If you find your sewer line is clogged, document every detail. Take pictures of pooled water, washing machine drain pipe spillover, plumbing repair quotes and receipts, etc.
Such documentation helps fortify your ensuing home insurance claim, maximizing the chances of approval and reimbursement for related costs.
Contact Rising Star Insurance for a Quote
Serving Saint Paul, MN, our insurance professionals have you covered. Reach out to us at 651-315-7978 for a customized quote.