California homeowners know that property surprises aren’t limited to wild weather or rising premiums. One of the most unpleasant (and expensive) issues can start underground, when a sewer line cracks or collapses. It’s natural to assume your home insurance would step in, but the truth is more complicated than you might expect. Our insurance agents at Reinas Insurance Agency Inc., serving Pasadena, CA, explain.
When Home Coverage Usually Applies
Standard home insurance policies focus on sudden, accidental damage, not gradual wear. If a covered peril causes the problem, like a falling tree root that crushes your sewer line, your insurer might help with repairs. But when pipes age, corrode, or clog from tree roots, that’s considered a maintenance issue. In those cases, repairs are typically your responsibility, not your insurer’s.
Options for Added Protection
Some insurance companies let you add a sewer or drain line endorsement for a small additional premium. This optional coverage can make a world of difference, paying for repairs or replacement if the line collapses or backs up. A few plans even include cleanup costs if wastewater finds its way inside your home. That’s something no one wants to face alone.
California’s Special Considerations
In California, ground movement adds another layer of risk. Earthquakes and shifting soil can easily damage buried pipes, especially in older homes. Because standard home insurance excludes earthquake-related damage, homeowners in active seismic zones should talk to their agent about earthquake endorsements or special sewer coverage that includes seismic events.
Why a Policy Review Matters
Your sewer line may be out of sight, but it shouldn’t be out of mind. Taking the time to review your policy and ask a few pointed questions can prevent a messy financial surprise. A short conversation with your local California insurance agent at Reinas Insurance Agency Inc., serving Pasadena, CA, could reveal affordable ways to protect your home and your wallet from what lies beneath.
