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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.

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โˆ™ 2010-09-27 23:25:52
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Q: Does homeowners insurance cover failed septic systems?
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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 septic grinders?

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

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: I am not sure how good they are, but the do provide insurance.

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 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.

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.

Are vacuum trucks used to empty septic systems?

Yes, vacuum trucks are used to empty septic systems. A company that cleans septic tanks most likely has vacuum trucks.

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

septic tank

Is Washer Magic washing machine cleaner safe for septic systems?

Yes it is safe for septic. If you go to the website for the product and look under their FAQS they state that it is safe for ALL plumbing and septic systems.

Does homeowners insurance cover failed septic drain fields?

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.

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.

How are sewage systems and septic systems alike?

A septic system is essentially a miniature sewage system. It does all the same things, just on a smaller scale.

how to qualify for free septic systems?

Yes, You can qualify for free septic systems inspections. The SEPTIC-RXยฎ app is the one and only automated septic inspection form, which makes the task for the inspectors a lot simpler. With its easy-to-use format and beginner-friendly layout, you can complete a septic inspection in no time. By downloading our app you can perform up to 4 inspections with no restrictions before having to purchase. Download Our App Now From: Apple Play Store Or Google Play Store SEPTIC RX ยฎ - Onsite Septic Inspection Form

Muratic acid safe for septic systems?

NO. Muriatic acid is NOT safe for septic systems. This will ultimately kill much of the bacteria that processes your waste. Your septic system may become dormant and have to be pumped out totally.

Where can i find a septic system professional?

It is ALWAYS best to get a professional to do septic work because septic systems are very complex. Check the yellow pages for local folks to do it. And don't get someone who is unqualified or not certified to work septic systems because if they mess up, you might be unable to get your money back.

Is Clorox harmful to septic systems?

yes it is because it neutralizes the bacteria need to breakdown waste in your septic

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.

When were the first septic systems built?

The first septic systems were built in the 1900s. They were created in order to minimize sicknesses brought upon by cesspools and bacteria- and sewage-infested water.

What is the safest tampon for septic systems?

Tampons and pads should not be disposed of into a septic system or any sewer system.

Can you use Drano with a septic tank?

== == According to Drano all of there products are safe for septic systems. Will Drano® products harm my septic system? No, all Drano® products are safe for septic systems and will not harm the bacterial action in septic systems. Follow the package instructions for the right amount of product to use. - Although claims are often made that commercial cleaners are safe for Septic Systems, a scientist from the National Environmental Services Center that we interviewed recently disagrees: "Using commercial chemical drain openers to unclog drains is not recommended for homes that are on septic systems." For more information see:

Can I use a clearstream septic system?

A clearstream septic system can be installed on nearly every type of home. Try calling and asking a sevice provider for the septic systems.

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.

What are the laws regarding existing septic systems?

In the USA, all laws regarding septic systems are local. Federal guidelines are just that and all states use their own standards and rules to set minimum standards. Rules such as how big the septic drainfield must be are usually determined on a state-wide level by state departments of health. The state sets minimum standards, but no county can be less restrictive than the state guidelines, only more restrictive. State guidelines vary widely from state to state. County health departments or health districts set minimum standards and publish these to regulate local construction of individual septic systems. When commercial or community septic systems exceed a certain capacity (usually determined in gallons per day,) state rather than local jurisdiction may take over. Because the USA contains hundreds of local health departments some with hundreds of rules, there is no central resource for the setting or approving of standards. This makes it difficult for new ideas in septic design to be introduced and approved because of the hundreds of local approvals required. For this reason it is becoming increasingly difficult for homeowners to avoid the use of specialized septic engineers or soil scientists in the design of systems. With increasing attention to environmental protection these days, the design, construction and operation of septic systems is becoming more of a hot issue with lots of misinformation out there. Septic systems are proven to be as safe and effective as municipal sewage treatment. However, many state governments have discovered that passing arbitrary and unscientific laws restricting the design and use of septic systems can be an effective way of controlling rural growth to the benefit of urban populations. This is possible due to the increasing proportion of people living in cities and a lack of general knowledge in the public about the "potential" public health hazards associated with the workings of the mysterious septic system. As a result septic systems are becoming more expensive and more difficult to get approved. Without an approved septic system that meets or exceeds the local rules, your property may be steralized for the construction of any habitable buildings.