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Does home insurance cover broken sewer pipes?
We recently had issues with our sewer and basement flooding. A plumber came to take a look, and it turns out tree roots damaged our sewer pipes. Will our home insurance cover the broken sewer pipes?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
While frustrating, this is a nuisance many homeowners deal with. Since a tree root caused the damage, your home insurance won’t cover your broken sewer pipes.
There are
16 perils
that home insurance typically covers. However, it does not include lack of upkeep, age, or normal wear and tear. While it can be impossible to know that a tree root has broken into your sewer pipes, insurance companies consider it your responsibility and won’t cover the damage. That said, if you have a special endorsement on your policy called a water backup and sump discharge or overflow you may have coverage for the damage. A water backup endorsement provides up to $5,000 in coverage for damages caused by water backup and may cover your broken pipes.
If you’re unsure of your coverage, call your insurance company. An agent can review your policy details and give you more information on your coverage.
Should you have to pay for your broken sewer pipes out of pocket, consider using the
Jerry
to save money on your home expenses. A licensed broker that offers end-to-end support, the Jerry app gathers affordable home and car insurance quotes, helps you switch plans, and will even help you cancel your old policy once you’ve made your pick. View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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