does a homeowners insurance policy cover sewer pipe damage under the slab or what does it cover in the plumbing of a home

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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: Mar 11, 2013

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Insurance Question from Midland, TX

Asked on 03/11/2013

does a homeowners insurance policy cover sewer pipe damage under the slab or what does it cover in the plumbing of a home NULL

Answer given on March 18, 2013

The homeowner insurance policy covers your home for damages caused by water that is sudden and accidental. It does not cover the home for wet or dry rot caused by seeping of water over time.If the sewer pipe is damaged under the slab of the home, it generally does not cause any damage to the home itself. If there is damage to the home, the insurance company may cover the cost to repair the damage caused by the sewer pipe, but not to repair the pipe itself. Also, your deductible will apply.If the sewer pipe is outside the confines of the home, there is no coverage for the pipe. Unfortunately, you are own your own for this type of damage.Contact a plumber before your call your insurance company. If you file a claim, even if it is not covered, you could lose your loss free discount. Be sure there is damage to your home before submitting a claim.

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