New to Real Estate · AL · Member since 2014 · 16 posts · 0 votes
My house pipe under the concrete was suddenly broken last December that causes the water damage. My home insurance pays for the water mitigation and rebuild but refuses to pay for the plumbing repair. The plumbing repair invoice is about $2500 in Excavate concrete/Difficult Access, Performed pipe repair and backfill and tamps/ Repour concrete. Can any expert advise how to argue with the insurance and let them to pay for the plumbing repair or the plumbing repair is not covered by the home insurance? Thank you for your answer.
Your regular home insurance does not cover it. But this does: Sewer insurance
I got mine when the city water agency offered it thru payments with the water bill. In this case, you can buy it separately from a home warranty service. Both stressed your home insurances does not cover this. In fact, in the letter advertising to me, they stressed excavating concrete, back-fill, difficult access makes such repairs expensive and most people are not aware home insurance does not cover. Your post here sounds like the advertising for my sewer insurance.
This is property NOT covered in the HO 00 03 10 00. This is the Homeowners Special Form Coverage, which is what pretty much anyone with a home has. There are exceptions of course.
I do have Sewer insurance but the pipe is not sewer plumb. It is the house water source pipe. Can the sewer insurance cover such plumbing repair? Thank you for your answer.
I do have Sewer insurance but the pipe is not sewer plumb. It is the house water source pipe. Can the sewer insurance cover such plumbing repair? Thank you for your answer.
Suggest you call them with the thought of filing a claim. What I have is called "Water and Sewer Service Line Protection Program" and in my case would cover the water source pipe. It's provided by American Water Resources. American Water Resources But the way it works is I'm suppose to call them and they would assign the own contractors to my home within 4 hours. And it's 24/7 service, so I don't have to worry about holidays or weekends.
I have no idea what you have and who you have it with. And then you have it done already which is not the way my policy works.