Most homeowners are not aware that they are responsible for repairs to underground pipes and wiring that bring services such as water, gas, power, data and communications into their homes.

Dan Lawrie Insurance Brokers provides options that extend coverage to the service lines coming to the house as an enhancement to homeowner property policies.

Homeowners are Responsible for Service Line Repairs

As a homeowner, you are responsible for repairs to underground pipes and wiring that bring services such as water, gas, power, data and communications into your home, if the damage occurs on your property, or off your premises, and you are legally responsible for it.

The cost to repair or replace these lines is not covered by a typical homeowners insurance policy. But there is a type of insurance that covers such losses: Service Line coverage.

Split drainage pipe caused by ingress of tree roots

Example of a Service Line Loss

Repairmen who were called to a home about basement water, found a backed-up sewer line and excavated the front yard. Tree roots invading the terra cotta sewer piping in several places caused the line to collapse, requiring sewer line replacement and landscape repair. The covered cost amounted to $9,750.

Common Causes of Service Line Failures

Root invasion is just one common cause of service line failure, but there are others, including:

  • accidental intrusion
  • deterioration
  • arcing
  • freezing

A 3/4″ copper water main has frozen and cracked below ground outside a house. This is the line which runs from the street and services and individual house. In extreme cold this pipe can freeze and burst causing costly repairs. The background is excavated dirt.

Contact your Dan Lawrie Insurance Brokers Representative to learn about the types of services lines can be covered.


Did you know our customers save an average of $600/year on their Home & Auto Insurance!

Contact us today and save on your insurance!

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