Does Insurance Cover Sewer Line Replacement?

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Subject: Drain problem

We had water backup that resulted in what will end up costing 10 to 12k to repair and replace. It appears that 1 of 2 things has occurred. .. 1...our lateral has shifted from the main city drain resulting in about a 2/3 closure of the original opening...thus the backup. Or.. 2
... ( which is the expert theory of a major drain inspection company)...that a "liner" which was used to "rehabilitate" the city owned drain...approx. 10 years ago...has somehow slipped resulting in leaving a very narrow opening. In any event our h.o. insu rance carrier claims no responsibility for anything occurring beyond our property line....and the city is claiming no responsibility because it is their theory that our lateral has broken away from the main line. I would like to make contact with any company or expert in this field of "drain lining ". Any suggestions or comments are welcome.


Subject: Blue max water line

Does anyone know if utility insurance, separate from homeowners insurance, will cover an existing blue max pipe with no prior or current issues? We have just found out our house has it in the course of an inspection when we are selling the house.


Subject: main sewer line replacement

I recently found out I need to have my main sewer line replaced, it is cracked and now causing frequent clogs. I pulled my homeowners policy, and it doesn't mention anything about sewer but I do have coverage for Building codes (up to $22,000) which would cover the cost. Is this covered? the policy isn't specific to sewer issues.


Subject: Wear, tear, deterioration

I work for a prominent insurance company and am a home inspector for homeowners claims. The basic homeowners policy does not pay for wear, tear, and deterioration. Meaning if your pipes are leaking or backing up because they are old, the plumbing will not be paid for. The resulting damage should be payable.

In addition, some policies exclude repeated leakage and seepage, which means if you have a drain line that's leaking that you didn't know was leaking until mold started growing out of or developing under your walls or floors (happens often), there will be no coverage for the resulting damage or the plumbing repairs.

Last tip. Pull out your refrigerator every once in a while. I see a lot of supply line leaks that people don't notice because, "who checks behind a refrigerator".

It is very important to understand your policy and have a knowledgeable agent or broker who understands the policy language.


Subject: broken sewer pipe

my husband and I have a rental property that had a toilet back up in one of the units. We got a plumber to look at the situation, he brought a large snake and at the tip of the snake he said that the sewer line had mud in it. We had the insurance adjuster came and assess the damages, I was asked about water damage, but I didn't see any, but I do know if there was, the toilet was backing up the tub was backing up, washing machine the same thing. I have a strange feeling that the insurance company doesn't want to pay. what should I do,

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I second the original question (still unanswered). Speaking as someone who logged in today to try to find an attorney, I see this category as one that's exactly what I have my Angie's List membership for:

1. It's important that I find a good one
2. I'm not an expert enough to know myself who is a good one
3. The industry is full of advertisements and misinformation
4. I wish I knew what experiences other people have had

I don't care about lawns--I planted mine in clover and don't have to mow it. When I do need to mow I use a rotary Fiskars mower, which is great--or a scythe. That's right--a scythe (the European type, which is smaller, and it's very good exercise). Gas-powered mowers, chemical fertilizers and weed killers--all nasty stuff that gets into everyone's air, soil, and water. I'm sure my neighbor doesn't like my wildflowers, semi-wild pockets of fruit bushes, and unmown areas and yes, dandelions (I have 10 acres) but that's too bad. It's better habitat for wildlife, especially the pollinators on which our food supply depends. I think this obsession with the Great American Lawn is a waste of time and resources. Plant some food instead.

I'm not sure Angie et. al. want you to have a complete answer to this question. By re-subscribing at the Indiana State Fair in 2012, I think I paid $20.00 per year for a multi- year subscription. Maybe even less. At the other extreme--and I hope my memory isn't faulty about this--I think the price, for my area, for ONE year was an outrageous $70.00. And they debited me automatically without warning. I had to opt out of that automatic charge. I like Angie's List, but if some of the companies they monitor behaved the way they do in this respect, they'd be on some sort of Pages of Unhappiness. I'll be interested to see if this comment gets published or censored out of existence.

That's very difficult to answer without seeing the house. As one poster said, the prep is the most important part. On newer homes that don't have a lot of peeling paint, the prep can be very minimal even as low as a couple or a few hundred dollars for the prep labor.

On a 100 year old home with 12 coats of peeling paint on it, then the prep costs can be very high and can easily exceed 50% of the job's labor cost.

A 2100 sq ft two story home could easily cost $1000 just for the labor to prep for the paint job. That number could climb too. Throw in lots of caullking  or window glazing, and you could be talking a couple or a few hundred dollars more for labor.

Painting that home with one coat of paint and a different color on the trim could run roughly $1000 or more just for labor. Add a second coat  and that could cost close to another $1000 for labor.

For paint, you may need 20 gallons of paint. You can pay from $30-$70 for a gallon of good quality exterior paint. The manufacturer of the paint should be specified in any painting contract. Otherwise, the contractor could bid at a Sherwin-Williams $60 per gallon paint and then paint the house with $35 Valspar and pocket the difference. $25 dollars per gallon times 20 gallons? That's a pretty penny too.

That was the long answer to your question. The short answer is $2000 to $4000 and up, depending upon the amount of prep, the number of coats, the amount of trim, and the paint used.