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As is so often the case, "it depends..."

Read the homeowner's insurance policy. Generally speaking, septic systems will be "included" or "excluded" depending on how the policy is worded. For example, a policy might state the structure of the home and then have clauses (perhaps with check boxes) that have "including septic tank and leach field", which are only included if the box is checked. Similarly an exclusionary clause might have "excluding septic systems" which would seem to also exclude the leach field.

So that's the first place to start - find out if your septic system would be covered under the policy.

The second part is whether or not the septic system is covered due to "excessive water from underground springs and/or age". There are two issues here:

1) Homeowner's policies do not normally act a warranties. So if your septic system is failing due to age, the policy likely would not be written to cover that situation.

2) Rising water, whether wind-driven, due to a storm, a flood, or a rising aquifier (ground spring) is generally covered by a separate "flood" policy and not the basic homeowner's policy.

Again, check the wording of your homeowners and/or flood policies to determine if your policy covers that specific condition. If you have questions, a good point to start is to ask your agent to explain the policy to you and why it would or would not cover your issue (they are, after all, the people that sold it to you and probably want your continued business). If you'd rather not ask your insurance company, a knowledgeable third party may be helpful in interpreting the policy for you, but the claims department often has the final say in what they will and will not cover. Even then, you are entitled to arbitration/mediation/litigation as your policy and state allow, so if you disagree with your insurer, you can at least make them prove their case; oftesometimes that's what's needed to get them to pay your claim or work out a reasonable deal.

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โˆ™ 2014-06-09 20:33:37
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Q: Does homeowners insurance cover failed septic drain fields?
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Related questions

Is back up within a septic system covered by homeowners insurance?

Probably not. Usually a septic system backup is caused by a maintenance issue and not by a covered cause that would be covered on your homeowners insurance.


Does homeowners insurance cover repairs for septic tank damage?

Possibly. Depending on if you bought an extra endorsement called back up of sewer or sub pump. This is an additional coverage you have to buy on your homeowners. This also depends if what ever happened to the the septic tank was accidental or sudden. If it failed due to poor maintenance, then no the insurance company does not have to cover it. The adjuster will determine when he comes out if its either or. Mark Owner of Denvers Insurance


Does homeowners insurance cover failed septic systems?

Not unless it specifically states that it does and chances are it does not. A good rule of thumb for home insurance coverage is: If something is damaged over a period of time (like septic tanks) it is not covered. If something is damaged immediately (like someone driving over your septic tank drain field) then it would be covered.


Will American General homeowner insurance cover damage to your septic tank?

In order for a homeowners policy to cover a situation, the damage must be from a covered cause. I cannot think of any situation where a covered cause could damage a septic tank. Septic tanks and drain fields are usually damaged by tree and vegatation roots, pressure due to vehicles running over them, and lack of maintenance. None of these are covered causes.


Does homeowners insurance cover septic grinders?

Highly unlikely, This would generally be considered normal wear and tear or an expected maintenance issue.


Will your homeowners insurance cover your septic pipe?

A homeowners policy will cover damage done by a covered cause. It does not cover maintenance as the homeowner is responsible for maintaining the home. Septic pipe damage is almost always the result of lack of maintenance. I cannot think of any way that septic pipe would be damaged by a covered cause. Perhaps if a storm blew down trees and the falling over of the trees caused the uprooting of parts of the septic pipe. This would be a covered cause.


Do all homeowners need a septic tank?

Not if home is tied into public sewer, septic tank not needed.


Is the septic tank repair covered on homeowners insurance?

Generally no. This is a maintenance item that builts up over time and does not happen suddenly and accidentally. You can purchase an endorsement to cover sewer and septic tank backup coverage that may cover some damage caused by any damage from the backup. Otherwise it would not be covered and no repair of the septic tank or sewer system would be covered at all.


Can I get Septic field insurance?

I am not familiar with this particular coverage, but that doesn't mean that it's not available somewhere! I would first ask your current agent if they offer an endorsement for your homeowners policy, or a separate policy for purchase. You may also want to review the warranty for your septic tank, to see if it covers any sort of below ground leakage. I also recommend doing an internet search for "septic field insurance". I googled the phrase and came up with a few resources that you may want to investigate. The Powderhorn agency insures oil tanks and septic systems: http://www.powderhornagency.com/ProSept.html I am not sure how good they are, but the do provide insurance.


Homeowners use what kind of of tanks to collect and clean their waste water?

septic tank


Is a tree root clogged septic system covered by your Home Owners insurance?

Homeowners insurance is Hazard insurance for your home, It typically provides coverage for sudden accidental losses resulting fromFire, Wind, Hail, and falling objects, etc. Tree roots grow naturally, septic systems naturally require regular maintenance, draining and occasional replacement. It's not unexpected and it's not considered a peril, septic tanks are a normal ongoing maintenance item for homes that use them. Good landscape planning and septic tank placement, maintenance and regular pruning practices that include keeping branches and roots well maintained and away from our home structure and foundation, can add years to the life of an average home as well as it's septic tank.


Does auto insurance cover damage to septic tank?

I don't see how an automobile can cause damage to a septic tank. Perhaps more information is needed to help answer your question. I guess if you had a septic tanks sitting in your yard before installing and if a driver lost control of his vehicle and ran into your septic tank then yes the auto insurance would pay for the cost to repair or replace the septic tank.


How do Families in rural Area Dispose Excreta?

Septic tanks and leaching fields.


What would cause an intermittent septic smell outside over a septic tank without a vent and green leach fields?

Tank is full. Lid is not sealed.


What kind of pollutants might come from septic tank fields?

the pollutants are metal and microbes


What can you put into the garbage disposer when you are on a well?

Just about anything foodwise. If you have a septic field or tank, get rid of the garburator. Septic fields and tanks are NOT made for these applicatons and will cause them to plug up!


What are the disadvantages of septic tanks?

They have to be pumped out every so often and the lateral fields can become clogged after a while.


Does farm bureau homeowners ins cover broke septic lines?

The answer is a mix or a yes and a no. The actual septic line is most likely not going to be covered unless a covered loss caused the damage. However, there may be some coverage for items that were damaged as a result of the broken line.


Does home owners insurance usually pay for septic tank failure?

No. That's an owners maintenance issue.


Do you need commercial insurance if you install septic tanks and waterlines?

Yes you will need a contractors license and they will require you to have a bond and liability insurance also if you are going to have any employees workers comp.


What priority tasking are grease trap construction septic tank installation and leaching fields for facilities that require waste water disposal associated with?

3


Does homeowner insurance cover septic tank failure?

Depends on the policy. You need to look under Perils Insured Against in your policy.


What is City septic system?

That is where the city cleans up all the waste from homes and then lets the grey water into septic fields to return to ground. Many cities,especially in Europe now clean and sanitize waste from toilets etc, so it's almost totally clean.


Does washing powder have a detrimental effect on septic tanks?

It sure does, powdered soaps use Sodium (salt) as a filler and its the sodium that is responsible for 90% of septic failures. Septic Drainer breaks the bond between the sodium and the soil and restores a failing or failed septics drain field. septicdrainer.com It's only $ 24.95 a gallon and it's guaranteed to work!


What are cesspools?

Septic Systems have been installed since the late 1800's replacing the old outside facility known as the outhouse. A septic system is a mini onsite sewage treatment system used when municipal sewers are not available. Depending on the age of your home, septic Systems on Long Island usually consist of a primary receiver (septic tank) and a drainage area (cesspool or drainage field). Homes constructed after 1973, will have a septic tank as the primary receiver while homes built prior to 1973 will have a cesspool as the primary receiver. (All homeowners residing in homes built prior to 1973 be sure to read the article on block construction cesspools on the home page) If properly installed and maintained on a regular basis, your septic system will provide many years of trouble free service.