This is a great question, and one that has been asked quite a bit recently. Your septic system is part of your home and property and therefore it is covered by your homeowners insurance. Unfortunately there are limitations and reasons it would be covered by damage and many reasons it would not be covered. Let’s look at a few reasons and things that may or may not be covered. Please remember this is a guide and you definitely should consult your insurance company for specific questions about your policy.
- What Kind of Damage to Your Septic System is Probably Not Covered?
- When Might My Homeowners Insurance Pay For Repairs to My Septic System?
- How Can I prevent Damage to My Septic System?
Homeowners insurance typically does not cover septic system problems related to normal wear and tear or neglected maintenance. Most standard policies are designed to cover sudden and unforeseen damages, such as those resulting from specific perils like fires or storms. However, damage to a septic system caused by these types of incidents may be covered. For issues like backups or failures due to aging, lack of maintenance, or improper usage, homeowners are generally responsible for the repair costs.
Some insurance companies offer additional coverage or endorsements for septic systems, which can provide broader protection against various issues, but these come at an extra cost. It’s essential for homeowners to review their policy details or consult their insurance agent to understand the extent of their coverage regarding septic system problems.
What Kind of Damage to Your Septic System is Probably Not Covered?
Unfortunately you might have guessed that most damage done to your septic system is probably not covered by your homeowners insurance. This includes driving a vehicle over the drain field or septic tanks, flushing stuff that shouldn’t be flushed down the toilet. Another common problem is roots from nearby trees. You need to look over your policy as many will contain language which basically says if a problem is a result of an action or lack of action (maintenance) it is not covered.
If you live in an area that is prone to flooding and this is what caused the damage it also most likely would not be covered. Flood damage would be covered under a different policy, specifically your flood insurance if you purchased a policy.
When Might My Homeowners Insurance Pay For Repairs to My Septic System?
Generally you are covered if you suffer damage to your septic system that is beyond your control. There are 8 common types of sudden damage here in Florida
- Fire
- Lightning
- Damage caused by aircraft
- Damage caused by cars & trucks
- Explosions
- Riots
- Vandalism
- Damage from electrical current
This isn’t a complete list and you need to be familiar with your own policy. Basically if you suffered damage or loss and it was not a result of an action (like driving your car over the septic tank) you may be covered. Of course if that rare meteor fell from the sky and smashed your tank, it’s probably covered.
How Can I prevent Damage to My Septic System?
The best insurance you can have is preventative maintenance. This includes having your system cleaned and inspected on a regular basis. You need to always be careful and only flush down the toilet, what you should flush down the toilet. Martin Septic offers pump out and inspection services to keep your system running as it should.
