WIll insurance companies cover the repair of a sewer pipe that is not within the property line?
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UPDATED: Dec 9, 2010
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Insurance Question from Castro Valley, CA
Asked on 12/09/2010
WIll insurance companies cover the repair of a sewer pipe that is not within the property line? The sewer line outside of my mom's property line is broken and in need of repair. According to the city,she is responsible for the repair up to the main sewer line. Should her homeowners insurance cover this cost even though it is outside of her property line? Please advise...thank you
Answer given on December 11, 2010
The standard homeowner policy is intended to protect you from “sudden and accidental” damage to the home. It would not cover a sewer pipe outside of your home, whether or not it is within the property line. A sewer pipe problem is generally considered a maintenance issue.
If the sewer pipe backs up and/or causes damage to the interior of your home, there would be coverage under the homeowner policy, less your deductible. However, if there is no damage to the home, then there is no coverage for the sewer pipe.
You should review the loss with your insurance agent, in the event there is a special endorsement that has been added to your policy, but I would not expect any coverage from your existing policy
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