North Town Insurance

Call Us Today!

(509) 483-3030

  • Why NTI?
    • About Us
    • Meet The Team
    • Questions to Ask Insurance Agents
    • Career Opportunities
    • Community Events
    • Leave A Review
  • Products
    • Personal
    • Commercial
  • Get Quotes
    • Get Quotes
  • Our Blog
  • Client Center
    • Request Change or Service
    • Request New Quotes
    • FAQ – Car Insurance
    • FAQ – Home Insurance
    • FAQ – Business Insurance
    • FAQ – Claims
    • Insurance Renewal Review
    • NTI Rewards – Referral Program

Are Your Water and Sewer Pipes Covered?

by tanyags

Let us tell you the story of a young family who scrimped and saved for years to finally put a down payment on a home. They finally found a little post-war brick rancher. It needed a little cosmetic lift, but passed all the inspections and seemed like the perfect first home…until a few months after closing. It was discovered the pipes under their yard leading out to the city water and sewer lines needed to be completely replaced. Those old pipes had eroded over time. They were devastated to learn the responsibility for replacing the eroded pipes fell completely on them, not the city. And that it would cost $10,000-$20,000 to repair. Not to mention the fact that the new lawn they had just installed would have to be dug up and ripped out. They were also shocked to discover their water and sewer pipes were not covered by insurance.

Could It Happen To You?

How can this be? Could this happen to you? Historically, insurance to cover broken or worn water or sewer pipes from a home to the street has not been included in any insurance policy. Thank goodness it is now an optional add-on to many home insurance policies. It has to be requested by the client, and won’t automatically be added on to the policy, however.

Water and Sewer Pipes Covered by Insurance

Do Your Water & Sewer Pipes Need to Be Covered?

This type of coverage, which is actually more of a contract between you and a repair company, is particularly helpful for older homes, homes with large trees in the yard or homes where the lines were never inspected during the home-buying process.

While contracts will vary, some common features you may find with water line insurance are:

  • Leaking, low pressure, or blocked lines are covered
  • Must result from normal wear and tear, not accident or negligence
  • Limited restoration work may be offered (new sod, pavers, etc.)
  • Condominiums and HOA communities not covered
  • Must use company’s own technicians
  • Any lines that branch off of the main water service line are not covered
    (source)

While water line breakage is rare, especially in newer homes, if your home fits into one of the above categories, you might sleep better at night knowing your water and sewer pipes are covered. Contact us to find out.

Previous Post: Are You Prepared for a Disaster?

Next Post: How to Save Money on Your Auto Insurance

insurance agency Spokane WA

insurance agency Spokane WA

Visit Our Office

5727 N Division St
Spokane, Washington 99208
Get Directions
(509) 483-3030
info@northtowninsurance.com

Contact Us

North Town Insurance
5727 N Division St
Spokane, Washington 99208
Get Directions
(509) 483-3030
info@northtowninsurance.com

Connect With Us

  • Facebook
  • Instagram
  • LinkedIn
Insurance Journal's Best Agencies to Work For 2018

Like Us

North Town Insurance

Copyright 2018 North Town Insurance | Privacy Policy | Website by Advisor Evolved

Call or Text Email Claims Payments
×
Send Message In App