Don't you think you should look at your policy?=In general HELL NO THEY ARE NOT COVERED=
It should. You should request a policy review with your agent. It has to be stated in the policy what is and is not covered. <><><> DO review your policy with your agent. Sewer Backup is typically EXCLUDED from most homeowner's insurance. It CAN be added to a homeowner's policy. Have you read your policy?
Water and coffee spilt on laptop computer is that covered
Not normally even the connection to the public sewer is not covered
I cannot think of any cause for a sewer line damage being caused by something that would be covered by a homeowners policy. It is probably maintenance and not an issue for your home insurance.
Your homeowner's policy covers unexpected losses like back up of city sewer water into a basement or loss due to burglary. So, unless your driveway is cracking and crumbling because of some unforeseen cause, your homeowner's policy will not cover it. If your driveway was just recently repaired or installed, you might want to check your warranty.
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.
Sorry but homeowners insurance does not pay for preventative replacement of a sewer line. This is an item that would be considered maintenance. Sorry this is not what you want to hear but that's the way it is.
It may depend on the specific policy. Some home owners insurance policies may cover damage to a cracked sewer line within the foundation if it was caused by a covered peril, such as a sudden burst pipe. However, it's important to review the details of your policy and contact your insurance provider for clarification.
The process for sewer cleanout cap replacement involves locating the cleanout, removing the old cap, cleaning the area, and installing a new cap securely. It is important to ensure the new cap is properly sealed to prevent leaks and maintain the integrity of the sewer system.
Damage must be due to a covered cause for the damage to be claimed on your homeowners insurance. I cannot think of any way damage to a sewer could be from a covered cause.
Of course other wise someone may fall into the trench and many localities do not like water or sewer lines exposed thus the modern codes want the lateral and mains covered
American Builder - 2004 Oakland Street Sewer Pipe Replacement 3-12 was released on: USA: 8 May 2006