Did you know that damage to pipes and service lines coming into your home are your responsibility? As the property owner, you’re responsible for all service lines that run from your home to the public utility connection. So if those lines are damaged, you not only deal with the often unpleasant affects to your home and yard, you’re also stuck paying the bill.
This happens more often than you’d like to think, especially in homes older than 30 years. Service lines most frequently fail due to wear and tear over time. Sometimes rust or corrosion impacts the lines and other times it’s mechanical breakdowns. Expanding tree roots and even underground rodents can cause damage to a line or pipe. Yard excavation and landscaping mishaps are also common culprits.
The national average of these costs to homeowners is over $3,000, and damage to sewer lines can be as high as $10,000. That’s an expense nobody wants to pay. Unfortunately, these types of problems aren’t usually covered by your homeowner’s insurance.
Because of the need for this type of protection, many coverage providers are now offering policy endorsements specifically for home service line protection. These endorsements can cover many types of services, including:
The endorsement coverage will help pay expenses associated with all repairs to the service line, excavation needed to make repairs to underground lines, loss of use of those services, and landscaping expenses you incur because of the repairs.
Give us a call
If you’re a homeowner, adding this endorsement to your homeowner’s policy could potentially save you thousands of dollars. To discuss this type of coverage, give a Sea Mountain Homeowners Insurance Specialist a call. We’re happy to answer your questions.
