Does homeowners insurance cover broken sewer pipes

The Cause of the Broken Pipe. These homeowners may not be aware of the actual condition of their plumbing, but not being aware of an issue does not mean the insurance has to pay up. If the part of the line which is on your premises is damaged by something sudden and unexpecte you would be covered. This is especially important for owners of older homes with aging pipes. When it comes to your sewer line, there are not many things your homeowners insurance will actually cover.

The reason is that your homeowners insurance policy is designed to cover you in the cases of accidents, not negligence. The insurance company will want to know the precise location of the break, especially for underground pipes that connect to the neighborhood line. As mentioned earlier, wear and tear isnt typically covered by homeowners insurance.

Broken sewer line coverage depends on two things: the location of the break and the specifics of the insurance policy.

On the other han your homeowner s insurance policy is likely to cover the costs of replacing a sewer line that bursts due to shoddy workmanship or poor insulation. So, if a pipe breaks because of a lack of maintenance, then your insurance wont cover it. The cause of the broken pipe plays a major role in determining whether or not the repairs will be covered.

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