Does Homeowner's Insurance Cover Replacing a Broken Sewer Line?

You may be shocked to learn what your homeowner's insurance covers and what it does not. You really should read your insurance policy's fine print. However, does homeowners' insurance cover the cost of rebuilding a broken sewer line in general?

Contact a Plumber (Or A Highly Skilled Insurance Attorney)

Although there are numerous excellent YouTube plumbing how-to videos, there are some issues that you should avoid attempting to solve on your own. Why? Because you may lack the necessary skills, equipment, or knowledge to adequately diagnose and repair the issue.

For instance, if you are connected to the municipal sewer system, the problem may be on your property or city property. It could be your fault or the city's responsibility. Consulting a plumber may be the best course of action when dealing with a broken sewer line.

Sewer Line Break

Is your homeowner's insurance policy comprehensive enough to cover some plumbing issues? Yes. It almost certainly covers leaking roofs, busted pipes, and overflowing toilets. Coverage will be determined by two key factors: 1. Is the incident on your property? 2. Was it your fault?

Naturally, while dealing with a damaged sewer line, the location of the offending pipe is critical. If it is located outside your property boundary, the insurance provider will see no need to compensate you. You would need to arrange for payment of the bill by the city.

If the breach occurred on or beneath your property, you might have a case. Naturally, the plumber will use specialized equipment to locate the leak. Then comes the issue of causation.

Who Was to Blame?

Generally, insurance companies will deny coverage if you are negligent. How is it possible to be careless when it comes to plumbing? There is a notion referred to as depreciation.

Pipes, like other physical entities, have a natural life cycle. They are subjected to typical wear and tear. What condition were your pipes in at the time of the break?

The evidence will be the surviving unbroken pipes. If they are in disrepair, you may be judged negligent. You did not maintain your plumbing properly, and your irresponsibility resulted in the break.

The majority of insurance policies exclude coverage for careless homeowners. Rusty or frayed pipes are a red flag for an insurance claims adjuster. As a result, you should be proactive in resolving plumbing issues.

Examine the Insurance Policy

If the sewage line ruptured due to substandard workmanship or a manufacturing defect, your damage might be reimbursed by insurance. The insurance company will reimburse the cost of the sewer line break and may file a claim against the carpenter or manufacturer. If you are insured, your insurance provider may cover the expense of water damage and clean-up.

Therefore, carefully study your insurance coverage. If you truly desire to increase coverage, you may do so. This is referred to as Named Coverage. Add the risks that concern you the most to obtain the most appropriate homeowner's insurance coverage.

Consider Enlisting an Insurance Lawyer to Make Your Insurance Claim

Sadly, insurance companies pay hundreds of millions of dollars each year for favorable laws and rulings from judges. In that regard, property insurance companies are not in the business of paying valid insurance claims. My extensive experience only helps consumers hire an experienced lawyer before making an insurance claim.

Enlisting a highly skilled lawyer early generally provides the following benefits:

• You don't have to speak with the insurance company,
• The insurance company will have a more difficult time trying to trick you into saying the wrong thing,
• The lawyer will review the policy and file a notice of claim that complies with local laws,
• The lawyer will obtain experts to generate reports to support your claim,
• The lawyer may engage the services of meteorologists to prove weather patterns were ample to cause storm damage to your home.
• The lawyer may obtain the assistance of an estimator to generate an evaluation of your loss.
• The lawyer may enlist the services of a content expert to generate reports on the value of your personal property.
• The lawyer can hire an insurance agent to create a report verifying that the policy covered the type of loss claimed.
• The attorney could hire an engineer to review the causation of your loss.

Don't Make Assumptions.

Experts decide many insurance claims. Don't assume whether you know if something is covered or not. Although some instances involving are covered by insurance, there are various factors why the insurance company might try to get out of paying you. It is essential to realize that the insurance provider could try to convince you that the cost of fixing the damages is less than the deductible. Don't let the insurance provider take a free ride in rejecting your legitimate claim. Get an experienced home insurance attorney to help. Let the attorney evaluate through experts whether a claim is covered or not.