sewer line had roots growing through it. It caused backup into our basement. Our we insured. State Farm said no because it isn't part of the house . The drain is connected to the house though. Why isn't it.

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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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UPDATED: Nov 2, 2018

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Insurance Question from Harrisburg, PA

Asked on 11/02/2018

sewer line had roots growing through it. It caused backup into our basement. Our we insured. State Farm said no because it isn't part of the house . The drain is connected to the house though. Why isn't it. Sewer line not being covered by insurance when connected to the house.

Answer given on November 05, 2018

Most homeowner insurance policies do not cover damage to a sewer line or similar system unless it is within the home. However, any damage done by the system failure or backup is usually covered by the insurance policies, less your deductible.  Th sewer line back up is considered a maintenance issue, not a “sudden and accidental” damage.

If you had sufficient damage to the basement area of your house, ask the adjuster to come out, or give you permission to have someone come out to determine the amount of damage to your basement area. Keep in mind that a claim on your homeowner policy can result in an increased premium due to the loss of a “claim free” discount.  Make sure that the amount of damage you file a claim for is worth the possibility of losing the discount.  The policy usually shows the amount of discount you are receiving so review that.


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