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Does homeowners insurance cover replacing broken sewer line? |
I've had trouble with stopped up sewer line from my house to water main about once a year since moved to house 1997. Plumber has been able to temporarily clean out the line each time, but we have come to the point that it must be replaced. It apparently is cracked or broken probably from tree roots. I can't locate anything in policy that states whether the sewer line is considered part of home. I also have been having electrical problems such as flickering lights & some outlets don't work & electric company says trouble is in house. Should I wait before filing a claim on that, or is it OK to file 2 seperate claims at once? Also, is there time limit or can I go back to when these problems started years ago? Never filed a claim befor in my life. Deductible is $1500.00. If the pipe is inside the house, it's covered. Outside but still on the property? Maybe. If you've had to replace it several times, been told that tree roots are causing it, but haven't removed the trees? Not coverable. As for the electrical issues, how old is your house? If an older home, you may not be covered for something that is considered maintenence, like electrical work. Filing more than one claim? Talk to your insurance agent to find the best answer. I did a lot of Insurance restoration and I have never heard of them covering any pipes that are outside the house...as for the electrical problem...well again it is more a fact of age of the items and not a claim issue ....sorry Yes it does cover that...replacement and labour. Good Luck Most home owners insurance wont cover normal wear and tear. Only damage You might as well go ahead and pay for the repairs your insurance wont |
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