How to Tell if a Main Sewer Line Clog is Covered by Home Insurance

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One of the worst things that can happen to your home is a clog in the sewage line. A clog in the sewage line is, unfortunately, exactly what it sounds like: when your septic lines (which run from your sinks, showers, and toilets) get clogged up, and liquid and sewage can no longer flow through them. Unlike with a drain clog, it is very difficult to notice a clogged main sewer line when it first happens, as there will be no noticeable symptoms. Instead, it usually isn’t noticed until disaster strikes: the pressure from the clog builds up, either resulting in a burst pipe and sewage flooding, or the sewage systems starts to drain itself in reverse, and comes out your sinks and showers.
Long story short: a main sewer line clog is not a pretty picture. If you have one, or you’re trying to plan ahead in case this emergency occurs, you’ll likely want to know whether or not the incident is covered by your home insurance before you call a plumber. A burst sewer line can cost thousands of dollars to repair, and, unfortunately, the damage done to your house if there is a sewage flood, can be much worse.
Unfortunately, main sewer line clogs are not covered by most home insurance policies. However, it’s always worth checking to see if your home insurance plan covers such an issue, and doing so is very easy.

Check your home insurance policy

Some home insurance policies have what’s known as a sewage backup rider. While this is a rare feature in home insurance plans, many companies offer it, though you almost always have to pay extra for this kind of coverage.
One way to see if your home insurance plan will cover a clogged main sewer line is to look at your plan (either online through your home insurance company’s website, or on any pamphlet sent to you in the mail). If you see that you have sewage backup rider in your home insurance policy, then you should be covered fine in the event of a main sewer line clog.

Contact your home insurance company

You can also figure out if your main sewer line clog is covered by your policy by contacting your home insurance provider. This is a great thing to do, because even if you don’t have a sewage backup rider, your home insurance plan may cover some damage that occurs to your house due to sewage flooding.
You can contact your home insurance company by visiting an agent’s office, calling the company, or contacting online support (most insurance companies have live chat options on their website). By contacting your home insurance company and letting them know exactly what you’re looking for, they’ll be able to tell you if your policy covers a main sewer line clog, and if so, the extent of the coverage.
If you’re trying to be pre-emptive about a main sewer line clog (which is especially smart if you know that the septic system and pipes are old and not well-maintained), then you should ask your home insurance provider about a sewage backup rider. This type of coverage is usually only $100-200 additional, annually. It’s a pretty small fee to pay each year to help cover you in the event of a large and very costly main sewer line clog.
Clogs in your home’s sewage system are no fun at all. However, the hassle and stress of the damage can at least be partially alleviated if you have a home insurance plan that covers a main sewer line clog. Always check with your home insurance company to see if you do, so that you’ll know if you’re covered in the event of such an incident.

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