Problems that a homeowner experience can be catastrophic in nature. When a serious problem arises, it is common to believe that you will have to incur the expenses associated with any problems you may have in your home. If you have homeowner’s insurance, some of those cost are covered. It is important that you know exactly what you can expect if you ever have a broken sewer line. Instead of calling a Long Island plumber to come and replace your sewer line, check to see who will be paying for it. Based on your policy, some exterior plumbing issues that you encounter may be covered by your insurance. Call your insurance agent or refer to your policy to find out for certain.
Gathering the Facts
If there is a break that happens due to negligence, your insurance will not cover damages incurred. However, the actual cause will have to be identified before you can expect any sort of relief. If you have a break due to aging pipes, this will not be covered. The adjuster will exam your pipes to see if there are signs of poor insulation which can cause weathering and any other form of poor workmanship. If they conclude that the pipe has broken because of either of these factors, they will deny your claim. Their reason will likely be that you should have replaced the pipe before this incident happened. They may even say that it was because of a lack of maintenance on the part of the homeowner. Don’t get discouraged. If it is discovered that the sewer line break was a result of bad workmanship or insulation issues, your insurance policy will cover damages. Based on what is outlined in your policy, the insurance company may pay for your entire sewer replacement. If you have any leaking as a result of the incident, interior pipes that have been damaged or damage caused by fire because of the electrical wiring, your insurance should cover the cost associated with these repairs. Even though policy’s differ slightly, a great majority of homeowner’s insurance policies will help with a portion of the cost that may have been the result of poor interior plumbing. Any problems that you may have with exterior plumbing may not be covered. Just make sure that you know the type of things that your policy will and will not cover. You can discuss this in detail with your Long Island insurance agent.
