Oh no! You suspect there’s a problem with your sewer line, and you may be facing a high-cost repair estimate. But will your homeowners insurance pick up the tab for a damaged sewer line?
Unfortunately, in most cases, the answer is no. Homeowners insurance typically does not cover sewer line repairs or replacements due to a clog or blockage. Your insurance also typically will not cover damages caused by sewer lines backing up into the home.
Sewer line damage caused by flooding, however, might be covered by your policy depending on what kind of coverage you have. If your home is located in a flood zone and your policy includes water damage coverage, then you may be in luck. Be sure to check with your insurance provider to see if they offer any specific coverage for this type of repair.
When Does Homeowners Insurance Cover a Damaged Sewer Line Without Flooding?
If there hasn’t been any flooding and the sewer line damage is due to external factors, like tree roots invading the line, then your homeowners insurance may cover part of the repair costs. This depends on what type of coverage you have and how much it will cost for repairs.
How to Take Care of Your Sewer Line and Prevent Damage
It’s important to keep your sewer line from getting clogged or blocked by taking the time to care for it properly. Here are a few tips:
• Have your lines professionally inspected and cleaned once a year.
• Invest in an overflow alarm that will alert you if there’s standing water near your sewer line.
• Avoid putting grease down the drain, as it can solidify in pipes and cause blockages.
• Don’t flush anything other than toilet paper down the toilet, as this could lead to backups and blockages.
• Install a backflow valve on your sewage system—this will help prevent sewage from backing up into your home during heavy rainfalls or flooding.
What to Do If Your Sewer Backs Up
If your sewer line backs up or you suspect there’s a problem, contact a plumber right away. They can inspect the issue and provide an estimate for repairs. If the damage is covered by your homeowners insurance policy, then get in touch with your insurer to see what they need from you to process the claim. You may be required to provide evidence of the damage and receipts for any repairs that were made.
In some cases, preventive measures like installing a backflow valve can help you avoid costly sewer line repair expenses down the road. Taking care of your sewer line now can help save you time and money in the future!
Contact Birmingham Plumbing and Drainworks Today
If you’re looking for reliable plumbing services in Birmingham, AL, look no further than Birmingham Plumbing and Drainworks. We offer a wide range of services, from sewer line repair and water line repair to drain cleaning. Our experienced professionals are here to help with any issue you may be facing! Give us a call today for more information or to schedule your appointment.