Does Homeowners Insurance Cover Sewer Line Repair?

If you are facing a sewer line repair for your home or business, you may be wondering what your homeowners insurance will cover. Will the insurance take care of the costs, or will you be responsible for paying out of pocket? Unfortunately, the answer isn’t always black and white and will vary depending on the type of homeowners insurance you have. However, there are some general guidelines that can help you know more about what to expect when it comes to sewer line repair costs and who pays for them. Keep reading for the details.

Who Is Responsible for the Cost of Sewer Line Repair?

A broken sewer line can seem like a significant expense that most homeowners would rather avoid. The best first step to finding out if your homeowners insurance will cover the repair is to contact the insurance company. They will be able to help you determine if your specific policy includes sewer line repair. In many cases, homeowners pay an additional fee each month for add-on coverage that includes these types of repairs.

If you do not have additional coverage like sewer insurance or service line coverage, it’s unlikely that your homeowners insurance will cover the sewer line repair costs. Exceptions include:

• Damage by a third party, such as a contractor, tenant, or neighbor
• Damage from an “act of God,” such as a fallen tree

What about sewer line damage due to natural disasters like floods, fires, or earthquakes? Typically, you will need additional or separate insurance for damage resulting from natural disasters.

What If You Have Sewer Line Coverage?

In addition, if you purchased sewer line coverage as an add-on to your homeowners insurance, you might be able to get partial or full coverage of your sewer line repair. Again, contacting your insurance company for your specific policy details will get you the answers you need quickly. There are coverage limitations that you will need to know about as you are planning for the repair.

Worried About Costs? We Give You Maximum Value for Your Sewer Line Repair

At Progressive Plumbing, we are a small, family-owned and operated business. Because of our smaller size, we can offer better services at lower rates than our larger competitors that often have commission-based subcontractors. We understand that getting the most value out of your plumbing services is crucial. You need affordable sewer line repair that is reliable and long-lasting.
So, count on the Progressive Plumbing team to exceed your expectations in quality, value, and customer service. Our honest, expert plumbers are dedicated to your 100% satisfaction, and you will appreciate our fair prices.

Does homeowners insurance cover sewer line repair? Whether the answer for your specific policy is yes or no, turn to Progressive Plumbing for friendly, professional plumbing services you can trust. Contact us online now to schedule sewer line repair throughout Metro Atlanta.