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Consider sewer and water line insurance

Consider sewer and water line insurance

A collapse of your sewer or water line could cost you up to $5,000 to $10,000 or more to repair.

Most home insurance policies don’t cover repairs to external sewer or water lines. That’s why some home warranty companies have begun offering specialized policies for that work. The City of Lakewood doesn’t endorse a particular home warranty company, but does suggest that residents consider such polices and also consider regular maintenance of their sewer line to prevent small problems from becoming big.

You can help preserve your sewer line by having it periodically video-inspected and, if needed, professionally cleaned out.

Most Lakewood homes from the 1950s were built with underground clay sewer pipes and metal water service pipes that can shift, crack and leak over time. Tree roots can’t cause the cracks, but they love the water from leaks and will grow into those cracks. The roots will expand there and can create clogs, which if not cleared can ultimately cause the pipe to collapse and become unusable. That’s when you have a big problem on your hands. A collapse of your sewer or water line could cost you up to $5,000 to $10,000 or more to repair.

In most cities, including Lakewood, homeowners are responsible for repairs to the sewer line from their home to the main sewer line, which in Lakewood is usually located under the street in front of the home or along the rear property line. Homeowners are also responsible for the water service line from their home to the point it connects with the meter.

Most home insurance policies don’t cover repairs to external sewer or water lines. That’s why some home warranty companies have begun offering specialized policies for that work.

These companies also handle the hiring and oversight of the specialized contractors. Policies generally cost about $5-25 a month depending on the extent of coverage. Some also include coverage for plumbing repairs inside your house.

The City of Lakewood doesn’t endorse a particular home warranty company, but does suggest that residents consider such polices and also consider regular maintenance of their sewer line to prevent small problems from becoming big.

Major sewer and water line problems aren’t widespread in Lakewood. Each year, fewer than 20 permits for major sewer repairs are issued in our city of 25,000 homes. But with the age of our homes, one can expect the number of such repairs to increase in the years ahead. And if you are one of the unfortunate homeowners to experience a major sewer line problem each year, you may wish you had an insurance policy in place to protect you from a big, unforeseen financial hit.

You can ask your homeowner’s insurance carrier if they offer such policies or search for sewer and water line insurance policies online.