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Does Home Insurance Cover Damage to Your Septic Tank?

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Most home insurance policies include coverage for "other structures," such as fences, pools, and septic tanks, which are covered in the same manner as the rest of your home's contents, with certain limitations. The forms of harm that are genuinely covered are abrupt and severe, so the homeowners could not have prevented them. There are 16 risks regarded to be the most prevalent types of harsh damage:

  • Lightening
  • Hail or gale-force winds
  • Damage brought about by aircraft
  • Explosions
  • Conflicts or civil unrest
  • Smoke damage
  • Deterioration brought about by vehicles
  • Theft
  • Vandalism
  • Dropping items
  • Volcanic eruption
  • Weight-related damage caused by snow, ice, or precipitation
  • Water damage caused by plumbing, heating, or cooling system overflow
  • Cracking, tearing, and burning water heater
  • Deterioration caused by electrical current
  • Pipe freezing

If any of these events cause damage to your septic tank, you should be insured. Unfortunately, the preceding categories do not encompass the most common causes of septic tank degradation.

How much does your insurance cover your septic tank?

Even if the damage is covered, many conventional homeowner's insurance plans limit coverage to 10 percent of the home's total insured value. For instance, if your home is insured for about $500,000, "other structures" such as your shed, fence, and septic tank may only be covered up to $50,000. However, we recommend reviewing your particular policy. Your coverage may vary depending on the specifics of your policy.

Even if it is only 10 percent, it should be sufficient to pay the expense of repairing or rebuilding a septic tank. We discovered that the average cost to repair or replace a tank ranges between $5,000 and $30,000. You are likely sufficiently covered if your policy is at least $300,000.

What types of septic tank damage are not covered?

According to this article authored by a wastewater specialist, several of the most prevalent causes of septic tank damage are human mistakes and improper maintenance, neither of which are covered by homeowners' insurance. Voici a few examples:

  • Flushing toxic substances, sediments, and oils
  • Driving on top of the tank
  • Not having appropriate drainage
  • Neglecting to care for tree roots

Most homeowners' insurance policies expressly exclude coverage for costs that could have been avoided with appropriate construction and upkeep.

If a flood or earthquake damages your septic tank, you must purchase flood insurance or earthquake insurance in addition to your usual coverage to cover the repair costs.

However, we strongly advise that you check your policies. The vast majority of insurance will adhere to the guidelines outlined above, although particular policies may vary based on your location and insurer. If the policy language is unclear, you should contact your homeowners' insurance company so an agent can explain it. When in doubt, contact a highly skilled insurance attorney.

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