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If a waste water pipe breaks in the basement and the house floods every time it rains does the insurance cover fixing the problem and the damage?

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Wiki User
2015-07-16 19:27:53
2015-07-16 19:27:53

When sewer lines are also storm drains the back up may be due to problems and overload in the city conduits. Install a backflow stop valve and seal the system to pass city health code.

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2015-06-05 18:00:58
2015-06-05 18:00:58

Fixing a leaky sewer pipe is not covered by your policy as that is considered a normal and expected part of a homeowners maintenance responsibilities.

If your policy has coverage for accidental discharge, the resulting water damage that occurred to your property would be covered, but only after you repair the sewer line that is causing the constant damage.

There would be no point in the insurer repairing the resulting damage, if you choose not to fix the broken pipes. They will likely require you send them a plumbers receipt or certification that all repairs have been made before they will address the ensuing water damage.

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Homeowner's insurance is a very important essential if someone owns a home. This insurance does not cover non-flood damage for water in the basement, though. It only covers flood damage or loss of valuables. http://wiki.answers.com/Q/What_does_homeowners_insurance_cover

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The best person to talk to in a case where your basement has flooded is your insurance company. Check and make sure that flooding is covered by your insurance and then go from there!

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