If you have experienced damage to your septic system then you are going to need to address it ASAP! However, because of all the hoops you have to jump through it is sometimes unclear what you should expect from your insurance company. Let’s go over some of the basics so we can determine whether or not your homeowner’s insurance company will cover your septic system.
What Your Insurance Company Will Cover
Homeowner’s insurance covers a plethora of things; however, most of these issues are ones that are on the uncommon side. Things like theft, natural disasters, and weather are all covered by your insurance. On top of that, water damage from busted heaters and frozen pipes is also covered.
Essentially your insurance company will cover unavoidable or unforeseeable problems. This can be nice as you always have a form of security during a crisis but you will find that these events are few and far between.
Things Your Insurance Company Won’t Cover
On the flip side, you have the damages that your insurance company will not cover. Human error and a lack of proper maintenance are the most common problems that plague septic tanks. Because of this, it is important to take care of your septic tank by being mindful of what you are putting into it. Flushing harmful chemicals, solids, and oils down your toilet and sink is a surefire way of clogging and breaking your tank. Other things your insurance company won’t cover includes not having a proper drain field, driving over your tank, and failing to address the tree roots as they creep closer to the system.
Overall you need to remember that a septic tank is not indestructible. Performing pumps annually and watching what is going into it is going to save you a lot of trouble in the long run.
Each Company is Different
Because each company differs slightly in its policies it is important to note that the information given in this article may not be entirely accurate. Every company tends to follow a general rule of thumb; however, that does not mean that you have an absolute. The best thing to do is call your insurance company before scheduling a septic system repair so you know what you are getting into.
Who should you call for septic issues?
Norway Septic Inc. is a service-oriented company dedicated to providing excellent septic tank cleaning and septic tank pumping services to homeowners and business owners in the Michiana area. We take pride in doing the job that others leave behind. ” Our motto stands, “they pump, we clean!”
Call us if you suspect that there are problems with your septic system or if you need septic replacement parts like septic filters. With over 40 years of experience, we know septic systems and can handle just about any septic issue.
