Does homeowner’s ins cover sewer pipe damage caused by drilling holes on the outside of your house?

UPDATED: Mar 24, 2013

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UPDATED: Mar 24, 2013Fact Checked

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 24, 2013

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

UPDATED: Mar 24, 2013

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

UPDATED: Mar 24, 2013Fact Checked

The homeowner insurance policy covers you for direct damage to the home and contents. If there is water damage to the home due to a plumbing issue, the policy will pay for the damage to the home, but not the pipe involved. Any such loss is subject to the homeowner policy deductible.If you have plumbing issues outside of the home, there is no coverage for this loss or any damage it may cause to your property, other than the home itself.You didn’t indicate what the private individual was doing while drilling the holes in the property. If this was done by a business, such as a plumber or septic system specialist, they would have liability coverage for any damage they cause. If this was simply a neighbor or friend, then you may be able to try to file a claim against their insurance, but it must be proven they were negligent in some way to cause the septic damage.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

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