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Will My Homeowners Insurance Cover Sewer Line Repairs?

Unfortunately, home insurance rarely covers sewer line repairs. The only exception to this is if the sewer line damage was caused by someone else, like a contractor or neighbor, or an “act of God.” In the case of someone else being at fault due to negligence or misconduct, their insurance may pay for the sewer line damage. If an “act of God” like a tree falling or mud slide occurring damages the pipe, that may also be covered depending on the specifics of your policy. 

Earthquakes, floods, and fires are likely to damage your home sewer line. So, if you’ve experienced any of these it’s important to get a licensed plumber out right away to assess the damage and get a claim filed if you carry any of these types of individual policies.

If you’re unsure about what your policy covers and can’t find the original written policy, give your insurance agent a call to discuss your coverage. If your insurance agent thinks the main line damage will be covered, he/she can help you file the claim and keep you updated as it’s reviewed.

Additional Resources:
Cost of Replacing A Broken Sewer Line
Do I Have a Broken Sewer Line?
Who does Emergency Plumbing?
How Much does an Emergency Plumber Charge?
My pipe burst - who do I call?
Is my plumbing situation an emergency?
Do I need emergency plumbing services?
What are cracked sewer line repair costs
Finding Chicago emergency plumbers
How to know if I have a plumbing emergency
Emergency plumbing fees explained
Common emergency plumbing situations
Do burst pipes require emergency services?
How are emergency plumbing rates different than regular rates?
Do plumbers repair broken pipes?
Broken pipe repair companies near me
Burst pipe repair costs
Costs for broken pipe repair under the house
Does insurance cover broken pipes?
Broken sewer pipe repair companies
How much does sewer pipe repair cost?
How do you know your plumbing issue is a broken sewer line?