Does homeowners insurance cover septic systems is the last question you want to ask yourself in the time of a crisis. That’s why it’s so important to review your homeowners insurance policy and make sure you’re covered before anything goes wrong.

As a septic company, we deal with a lot of unfortunate and sometimes disastrous situations. We’ve seen everything from small septic system damage to issues where the entire system needed to be replaced, which can cost anywhere from $6,000 to $50,000. So if you aren’t sure if your homeowners insurance will cover your septic system then it’s definitely time to find out.

In this blog, we will discuss what is and what isn’t covered by homeowners insurance so you know how to properly financially secure your septic system.

So, Does Homeowners Insurance Cover Septic Systems?

The answer is yes, your septic system is part of your home so it is covered by homeowners insurance. However, you will want to make sure you have the proper policies in place to fully cover your system.

What Is Covered

Your insurance policy will usually cover septic system damage if it’s the result of a natural occurrence or accident. The following are just a few examples of occurrences that your homeowners insurance should cover if they lead to issues with your septic system.

  • Lightning
  • Fire
  • Explosion
  • Water damage from plumbing, heating, or air conditioning
  • Hail, wind, or snowstorm
  • Pipe freezing
  • Damage due to electrical current
  • Riots or civil disturbances
  • Theft

Again, this list is just a few examples so if you aren’t sure if something is covered then you should speak with your insurance representative to get a full list of coverage.  Also make sure you have everything in writing!

What Isn’t Covered

It’s important to note that not everything will be covered under your homeowners insurance. The following issues may occur, but they probably won’t be covered under your insurance policy.

  • Issues due to tree or plant roots
  • Driving over the tank
  • Flushing chemicals, solids, or oil
  • Improper drainage
  • Clogged leach field
  • Rusted tank
  • Cracked tank

Sewer Backup Insurance

We strongly suggest that you talk to your insurance agent to see if sewer backup coverage is included or can be added to your Homeowners insurance policy. Sewer backup coverage is typically not very expensive to add and can help offset any costs due to damage from a sewer backup in your home. Not all insurance policies include this coverage, so it is important to find out whether you have it or not.

Flood Insurance

Flood Insurance policies are policies that must be purchased in addition to your Homeowners insurance policy. They can be expensive and the coverage is limited. They usually won’t cover any damage that occurs in the leach field or septic tank. It’s best to discuss this policy with your insurance agent to see if this is coverage is necessary for you.

Make Sure You’re Covered

Front Range Septic would like to highlight how important it is to make sure your septic system is covered under an insurance policy. It’s very important to read your policy carefully and consult with your insurance agent or a qualified septic tank professional to make sure you completely understand the coverage.

If you have any questions regarding insurance or your septic system, don’t hesitate to give us a call at 970-302-0457.