Not every home in and around Huntsville is on a town sewer system. If you aren’t, you may be delighted to have your septic system, as it gives you more control, and you don’t have the bills associated with town sewer. The downside is when something goes sideways with the septic, and a lot can go wrong, believe us. From tree roots cracking the pipes to overflows that wreck your lawn (think "Meet the Parents" movie), you may hope that your home insurance covers the septic. Does it?
When Home Insurance Covers Septic Damage
Standard home insurance policies, like the ones available through Larry Burkman Agency in Huntsville, AL, may cover septic system damage in certain situations. If a covered event occurs, such as fire, vandalism, or something else, the insurance company might be responsible for paying for repairs or replacement.
What Home Insurance Doesn’t Cover
Home insurance generally doesn’t cover damage caused by wear and tear, lack of maintenance, or gradual deterioration. If the septic system fails due to age, rust, or tree root infiltration, homeowners will likely have to pay for repairs out of pocket, which won’t be cheap.
Additional Coverage Options
Some insurance companies offer optional riders or endorsements that can provide extra protection. You should look into these. One common add-on is sewer backup coverage, which may help cover the cost of cleaning up if the septic system overflows into the home.
Understanding what is and isn’t covered under a home insurance policy is essential for homeowners who rely on a septic system. Reviewing the policy details and speaking with an insurance representative at Larry Burkman Agency serving Huntsville, AL can help ensure the right coverage is in place to avoid unexpected repair costs.
