Does a basic homeowner's insurance policy cover water line replacement?
December 20, 2013 7:54 AM Subscribe
Tree roots have grown into the main water line that runs from the meter to my house and the whole thing has to be dug up and replaced. (Merry Christmas to me!) It occurred to me while talking with plumbers yesterday that my homeowner's insurance might cover something like this. However, I read the policy packet and am not seeing any details about what my insurance does and doesn't cover.
posted by something something to Grab Bag (15 answers total)
There are a number of exclusions and endorsements detailed, but none of these deal with major plumbing repair. I tried calling my insurance company (USAA), who is normally very helpful, but they are not willing to answer the basic question I have, which is: Are water lines normally covered by basic homeowner's insurance policies? They are telling me I have to go through all the rigmarole of filing a claim to find out if it's covered, which is something I do not want to deal with if it's not customarily covered anyway.
I understand all policies are different and that you are not my insurance agent and that nobody knows whether or not my insurance company will give me any money. But do any of you know: Are main exterior water lines, running under the yard from the meter to the house, a customary thing covered by some homeowner's insurance policies? Is it worth filing a claim?
Possibly relevant details: I am in North Carolina, in the United States. This house is my primary home. When I bought the home I was 28 and knew nothing about things to ask for in a homeowner's insurance policy, so there is nothing fancy or extraordinary about it.