Is damage caused by a clogged sewer covered by home insurance?
You come home after an afternoon of shopping and suddenly notice a foul odor in your house. You investigate and discover that your sewer is clogged and a pipe has burst. A very unpleasant situation. You’ll have to call a drain-cleaning service, and you’ll have to put up with the foul smell in your home for a while. Will your insurance company cover the damage to your sewer line? In this article, we’ll discuss home insurance when the sewer is clogged. Will the damage be covered? And what should you keep in mind? Read on to find out!
What is home insurance?
In insurance terms, home insurance is called “building insurance.” Building insurance protects you against damage to your home. This covers all real property, such as the walls, ceiling, plumbing, and built-in kitchen. However, coverage depends on how the damage to the home occurred. If the damage results from recklessness or negligent maintenance, your insurer will not pay out.
Homeowners Insurance and Sewer Lines: What Types of Leak Damage Are Covered?
There are various types of leak damage, such as water damage. However, your insurer does not cover all types of water damage. Water damage caused by a burst pipe, a clog, precipitation, a waterbed, a refrigerator, or an aquarium is generally covered by most insurers. Therefore, the consequences of a clogged or broken sewer line are generally eligible for reimbursement.
There are also a number of causes of leaks or water damage that the insurer will not cover. For example: poor sealant joints, open windows, groundwater, and levee breaches. These types of damage are either easy to prevent or occur so rarely that you don’t need to worry about them much.
How can you file a claim for sewer damage under your home insurance policy?
If you experience damage to the sewer system, you can report it to your insurer. It’s a good idea to report the damage to your insurer as soon as possible. You file a claim by filling out a claim form. You can usually download the claim form from your insurer’s website. Can’t find the claim form? If so, you can always contact your insurer by phone.
You can help your insurer by taking photos of the damage and sending them along. That way, the insurer can accurately assess the extent of the damage and pay you the correct amount. In this case, a claims adjuster may also visit to inspect and document the damage. The adjuster will then determine the extent of the damage and the amount the insurer can pay you.
Get your home insurance that covers sewer damage through Alpina: simple and affordable
Are you considering purchasing home insurance that covers sewer damage? Then take out a policy today through Alpina! Thanks to our many years of experience, we can offer you the best insurance plans. Do you still have any doubts or questions about our home insurance that covers sewer damage? Feel free to contact our customer service team. They’re here to answer all your questions.
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