A question we are asked repeatedly by consumers here at Legendary Home Services are if their Homeowners Insurance Companies will cover their sewer replacement in the city of Phoenix. This is an important question especially if you take into account the amount of money you are spending on your sewer replacement and the fact that you don’t really have a choice in replacing your sewer line. The short answer is very simple, it depends on your specific Homeowners Insurance Company. In this article we will try to elaborate a bit more on if your insurance will cover your sewer replacement in Phoenix.
Where the break is located
Some Insurance Companies will ask you where exactly the break is located in the sewer line in question. If the break is located outside of the home’s foundation it is highly unlikely that it will be covered by your insurance. If the break is located within the foundation of your home, the likelihood of your Insurance Company covering the break in the sewer line is much higher.
The age of the sewer line
Normally, an insurance company will ask you the approximate age of the sewer line. The reason is that Insurance companies typically cover sewer replacement if it can be classified as a sudden break in the line or if the break is caused due to non-negligence. Contrary to popular belief, if the line breaks due to aging it may not be covered by your insurance as it seen as a natural “wear and tear” on the line.
If the line broke due to the age of the pipe, it is extremely unlikely that your homeowners insurance will cover the replacement of your sewer line. Some of the responses from your insurance company will be things like you should have performed regular maintenance on your sewer line or you should have replaced it before it broke. The bottom line is, you need to evaluate if it is actually worth your time in filing an insurance claim if the line broke due to aging.
On the upside, your Insurance Company might cover your sewer replacement in phoenix if the break in the line was caused by sloppy workmanship or poor installation.
To gather all this information, hiring a professional plumber in phoenix may be necessary. They should be able to provide you with photos or videos of the sewer line. This information goes to your insurance company and it should tell them what they need to know.
There is no easy answer on whether your Homeowners Insurance Company will cover your sewer replacement in Phoenix, it really depends on your specific Insurance Company. If your Insurance Company covers your sewer replacement, we will make sure that we provide you with all the necessary documents your Insurance Company needs in order to reimburse you for your sewer replacement. Our customers are important to use and we know how important their properties are to them
After replacing thousands of feet of sewer lines in the phoenix area, we are passionate about educating everyone to help them make the best purchasing decisions for their home. If you need help determining if your sewer line replacement is covered, let us know, we are always here to help.