Water backup coverage (or sump pump coverage) is a popular endorsement that covers you from this kind of risk. One peril that isn’t covered by your average dwelling coverage is damage caused by a backed-up drain or broken sump pump. Still, since repairing or replacing service lines can run thousands of dollars, this endorsement may be worth adding to your policy. Just like any other endorsement, service line coverage will cost you a little extra a month on your insurance premiums. You will also be covered if one of your utility lines or pipes that run through your property is damaged. If one of the pipes attached to your septic tank is severed or damaged, you will be protected with service line coverage. Service line coverage aims to protect your home’s various pipes. These pipes transport waste from your commode to the septic tank, through treatment filters, and out to your drain field. One part that connects them all together is a collection of pipes. Like we mentioned much earlier, your septic system is made up of different parts. They cover extra perils, add more cash to the payout for damage, and even take care of specific structures. These endorsements help cover the grey area missing from traditional insurance policies. At this point, coverage add-ons can come in handy.Ĭoverage endorsements are available to homeowners at a small price hike. What happens when your standard insurance coverage isn’t enough to cover the costs of a septic tank or drain field damage?Ĭonsidering your average septic system is worth several thousand dollars, you may not be fully covered in case of a disaster. Sometimes, unforeseen and unfortunate events happen even with due diligence. When you do your part in taking care of your property, insurance companies are less likely to find you negligent and financially responsible for damages. Situations like these will cause various leaks and even more problems.īe sure to maintain your septic system regularly to diminish your chances of significant damage. Your septic tank is underground, and the weight of heavy items like cars can crack drainage pipes. Secondly, never place heavy objects over your septic tank or drain field. These can corrode the interior of your system and contaminate groundwater. This is a good reason it’s important to follow a few simple rules.įor one, never flush chemicals or non-biodegradable materials into your septic tank. Insurance companies will deny claims based on damage caused by: Luck starts to run out when a different sort of issue causes damage to your septic system. When septic systems are not covered by home insurance While unlikely, if your septic tank is stolen or vandalized, you’d be covered as well. So, if lightning strikes your house and starts a fire that damages your septic system, your insurance will cover it. Septic system damage will only be covered, however, if the cause is listed as a peril on your policy. If you have a policy worth $100,000, your septic tank will be covered for up to $10,000 worth of damage. For example, let’s say your policy declares “other structures” should only be covered by 10% of your dwelling coverage. The difference is, other structures are usually only covered up to a percentage of the overall dwelling limit. ![]() In this case, your septic system is still covered. Some may consider it separate from your home and will put it under the “other structures” umbrella available with Coverage B in your policy. ![]() You may want to talk with your agent about where your insurance company labels your septic tank. Since your dwelling coverage includes your septic tank, it will be protected according to your policy’s perils and exclusions. When home insurance covers septic system damage Keep reading to see what qualifies your septic system for covered damages, and how to protect yourself from costly surprises. Luckily, your homeowner’s insurance has you covered. Damage to your septic system can leave you responsible for expensive repairs or replacements.
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