Does homeowners insurance cover your sewer line if it's damaged? Damage to your sewer line may be covered by your policy if it is caused by perils such as hail or windstorms, explosions, lightning or fire, damages caused by vehicles, vandalism or falling objects.
If your sewer line develops a problem under your home, it could lead to some serious foundation issues if left unchecked. If you're noticing cracks in your foundation, your broken sewer line has to be repaired as soon as possible. Left alone, it could cause further problems, such as sinkholes and home settling.
The most common sign of a sewer break is when you can see water coming up in your basement from the sewer pit, floor drain, through your walls, or on your sidewalk. Sewer breaks further out than your front yard will typically not surface due to the depth of the pipe.
It can typically be found in the basement, crawl space or garage. You will want to search for a pipe that is approximately four inches in diameter with a screw cap on the top that has a notch or square knob at the top. Note that some homes have an indoor sewer cleanout point, while others may be located outdoors.
Generally speaking, you're going to find that most main sewer lines will only last somewhere between 50 and 100 years before you need to do a main sewer line replacement. You could very well have a broken sewer line on your hands right now and not even realize it.
The average cost of water backup and sewer coverage may range from $50 to $250 per year, with limits of coverage from $5,000 to the full replacement cost of your home. Talk to your independent insurance agent to find the level of coverage that is right for you.
Sewer laterals are the underground pipes that connect your home wastewater to the main sewer line in the street. Homeowners are responsible for their sewer laterals, while problems with the public sewer main line are managed by the city or municipality.
Cost Estimates
As we mentioned earlier, in the state of California, the cost of sewer line replacement can amount to anywhere between $50-$250 per linear foot, with an average of around $150.
Go to the city office directly or call them to see if they can tell you where the sewer line is located. Usually, they can show you where the line goes from your home to the city's main line. If you are unable to reach the city, see if there is an interactive underground utility map of your area online.
One of the most evident signs of a broken sewer or drain line is large visible cracking in the foundation. If a sewer or drain line leak goes untreated for an extended time, it may cause foundation cracks and sinkholes in the yard.
Key takeaways. Homeowners insurance may cover sewer line damage if it stems from something already included in your policy, like a fire or windstorm. Sewer line damage that is the result of wear and tear is excluded from home insurance coverage.
Causes of sewer backups
While most basement water problems are not caused by sewer backups, the Civil Engineering Research Foundation reports that the number of backed up sewers is increasing at an alarming rate of about 3 percent annually. There are a number of causes of sewer backups—here are some of the most common.
Sewer and Water Backup coverage is an endorsement on homeowners' policies. It usually comes in different coverage increments: $5,000. $10,000.
Sewer repair times vary, but patching a minor crack or clearing a clog may only take a few hours. Trenchless sewer line replacement can take around two business days, while traditional replacement can take three or more.
Expert Recommendations for Sewer Line Cleaning
We recommend homeowners schedule sewer line cleaning every 18 to 24 months to prevent buildup and clogs. Regular cleanings help avoid costly repairs and extend the life of your plumbing system.
If your sewer line is broken or damaged, it may start to flood your yard with sewage. All of the water coming out of the line also has the potential to cause major damage to your home's foundation.
Professional plumbers can use various camera styles to inspect the sewer line, such as: Remote-controlled crawler cameras. Pole or fixed zoom cameras. Push rod cameras.
We have many methods to detect a leak. If it's a sewer leak you can camera the line, open drywall and inspect the pipe, run water through the line and see if anything gets wet that isn't supposed to, or smoke test. To smoke test they'll use a smoke machine with a fan built into it to blow smoke through the system.