Does Homeowners Insurance Cover A Dry Well?

Every homeowner should have a basic understanding of what their homeowners insurance policy covers. When it comes to protecting your home and belongings, you want to make sure that you are covered in the event of an unexpected incident. One potential issue that may arise is a dry well.

A dry well is a type of drain system used to dispose of stormwater or grey water from sinks, showers and other sources. While this can be a relatively minor problem for some homeowners, others may find themselves facing costly repairs if the well runs dry. In this article, we will discuss whether or not homeowners insurance typically covers the cost of repairing a dry well.

What is a dry well?

A dry well is a structure that is used to collect and store water. The water is then slowly released into the ground, where it can be used by plants and animals. Dry wells are often used in areas where there is a lot of rain, but the ground cannot absorb all of the water.

What causes dry wells?

One of the most common causes of dry wells is a faulty seal around the well casing. This can be caused by a number of factors, including age, rust, or poor installation. A dry well can also be caused by a lack of rainfall, which can lead to a drop in the water table and an inability for the well to pump water. In some cases, dry wells can be caused by underground springs or aquifers drying up.

How to fix a dry well

If your dry well isn’t working properly, there are a few things you can do to try and fix it. First, check the inlet and outlet to make sure they’re clear of debris. If they’re not, clear them out and see if that fixes the problem. If the inlet and outlet are clear, check the perforated pipe to see if it’s blocked. If it is, unblock it and see if that fixes the problem. Finally, check the gravel around the well to make sure it’s not compacted. If it is, loosen it up and see if that helps.

How to prevent dry wells

Dry wells are a common problem for homeowners. They can be caused by a number of factors, including drought, poor drainage, and leaks. A dry well can cause your basement to flood, your yard to flood, and your home to foundation problems.

The best way to prevent a dry well is to have proper drainage around your home. Make sure that your gutters are clean and free of debris. Downspouts should be directed away from your home, and you should have a French drain installed if possible. These measures will help ensure that water is properly drained away from your home and does not pool around the foundation.

Homeowners insurance and dry wells

Homeowners insurance typically does not cover dry wells. A dry well is defined as a well that has gone dry due to drought, over-pumping, or other reasons. If your well has gone dry and you need to have it repaired, you will likely have to pay for the repairs out of pocket.


Homeowners insurance is an important tool for protecting your investment and providing peace of mind. When it comes to dry wells, the coverage can vary depending on the policy, so be sure to do your research and ask questions before buying a policy.

It’s also important to make sure you keep up with regular maintenance and promptly fix any issues that arise in order to avoid damage or accidents caused by a dry well. With this knowledge in hand, you can rest assured knowing that you’re covered if something unexpected happens.