Does Insurance Cover Sewer Line Repair?

Facing a broken sewer line is no one’s idea of a good time. Not only can it be an expensive repair, but it can also cause lasting damage to your home and property. So the big question is: does insurance cover these repairs? The short answer is: it depends. In this blog post, we’ll explore the different ways insurance may cover sewer line repair, as well as some tips for getting coverage if you’re in need of help with repairs. Read on to learn more about what your options are when it comes to broken sewer lines and insurance coverage.

Does insurance cover sewer line repair?

If your sewer line backs up or is otherwise damaged, you may be wondering if your insurance will cover the repair costs. The answer depends on the cause of the damage and the type of insurance you have.

Most homeowner’s insurance policies will not cover damage caused by negligence or poor maintenance, so if your sewer line was damaged due to a clog that you didn’t clear in a timely manner, you probably won’t be covered. However, if your sewer line was damaged by a tree root or other external force, you may be covered.

To be sure, check with your insurance agent to see what is and is not covered under your policy. They can help you determine if you need to purchase additional coverage to protect yourself from sewage line repair costs.

How to file a claim

If your sewer line is damaged, you will need to file a claim with your insurance company. This can be a complex process, so it is important to understand the steps involved.

First, you will need to determine whether or not your policy covers sewer line repair. This coverage is typically included in homeowner’s insurance policies, but it may be excluded in some cases. If you are not sure whether or not your policy covers this type of repair, you should contact your insurance company or agent for more information.

Once you have determined that your policy does cover sewer line repair, you will need to gather all of the necessary documentation. This includes any receipts for repairs that have already been made, as well as any estimates for future repairs. You will also need to provide a detailed description of the damage to your sewer line.

Once you have gathered all of the necessary documentation, you will need to submit a claim form to your insurance company. This form can be found on their website or through your agent. Once the form has been submitted, you will typically receive a response within a few days.

If your claim is approved, the insurance company will send someone out to assess the damage and determine the cost of repairs. Once the repairs have been completed, you will be responsible for paying any deductibles that apply to your policy. In most cases, the insurance company will reimburse you for these costs once they have been paid.

When to call a professional

There are a few instances where it is definitely worth calling a professional for help with your sewer line. If you have recently experienced any flooding in your home, especially if the water has come up through your drains, then you should call a professional right away. This could be a sign of a serious problem with your sewer line and it is best to get it checked out as soon as possible.

Another instance where you might need to call a professional is if you have been noticing that your drains are backing up more frequently than usual. If this is the case, it could be due to a clog in your sewer line and calling a professional to take care of the issue will save you from having to deal with constant backed-up drains.

If you have any concerns at all about the condition of your sewer line, then it is always best to err on the side of caution and give a professional a call. They will be able to assess the situation and let you know if there is anything to worry about or if there are any steps that you need to take in order to avoid further damage to your sewer line.


In conclusion, it is possible for insurance to cover sewer line repair depending on your individual policy and the type of damage. It’s important to remember that even if you do have coverage, there may be other costs associated with a sewer line repair such as plumbing fees or permits. Be sure to discuss all the details with your insurer and read the fine print before signing any agreement so that you know exactly what is being covered by your policy.