Let’s say a severe storm passes through your neighborhood, resulting in a lot of damage. Since the typical homeowners insurance policy covers damage caused by lightning, for example, your provider may help cover costs to repair or replace your septic tank. However, there are several other septic system damages that an insurance policy will not cover.
Does Homeowners Insurance Cover Septic Systems?
Homeowners insurance could cover damage that’s caused to your septic tank, connecting pipes, and leach field if the damage is a result of a sudden, accidental event that is covered in your policy. For instance, hail, lightning, and fire are usually covered.
Depending on your specific policy, the septic tank could be covered by the dwelling portion of the policy, which is the part of the policy covering the actual structure of the home. It could also be covered by the other structures portion of the policy, including things like sheds, detached garages, and fences.
Other structures coverage is often 10% of the limit to dwelling coverage. This means if the dwelling coverage limit is $250,000, then $25,000 would be your other structures limit. When you file a claim, there’s a possibility the insurance company will send out an adjuster to investigate what caused the damage.
When Will Homeowners Insurance Cover Septic Tank Damage?
Homeowners insurance policies generally cover septic tank damage that’s caused by a sudden event the policy already covers. Such events include the following:
- Damage from vehicles.
- Explosions.
- Falling objects.
- Extreme cold outdoors.
- Vandalism.
- Hail, lightning, or fire.
When Are Septic Systems Not Covered By Homeowners Insurance?
In most cases, homeowners insurance will not cover septic system damage under the following circumstances:
- Normal wear and tear.
- Maintenance neglect.
- Earthquakes or floods.
- Improper installation.
- Backups caused by flushing improper items down the drain.
Conclusion
The best way to prevent septic tank damage is to ensure the component is well maintained as the years go on. Use the following tips to keep your system in the best shape possible:
- Inspect the pump every 3-5 years.
- Avoid using harsh chemicals.
- Reduce your water usage overall.
- Only flush waste and toilet paper.
A-American Septic Service In Phoenix, AZ
If you need septic tank pumping in Arizona, A-American Septic Service can help. To receive a free septic tank pumping quote call us at 602-455-3878.
