If your home depends on a septic tank, you know how important it is to your everyday life. Even if it doesn’t need direct attention more than once every few years, it can still be on your mind. Have you ever wondered if your homeowner’s insurance policy will cover your septic tank if something happens to it?
Is My Septic System Considered Part of My Home?
It might be hard to figure out the exact relationship your septic system and home have in a legal sense, because every situation is different, but most of the time, your septic system is considered an appliance built into your home. But this doesn’t mean everything that happens to your septic system is covered.
Is Septic System Damage Covered by Homeowner’s Insurance?
The trouble with insurance policies is that they don’t treat every situation the same, and the only way you can really know what is and isn’t covered is by reviewing the terms of your policy directly. We would also suggest that you talk with your insurance agency or find some other customer support with the company providing your homeowner’s insurance coverage.
For example, many policies should cover the damages to your septic system caused by extreme weather or fire, but that policy might not cover damage from an earthquake. Until you know for sure, you can ask yourself this question: is there anything I could have done to prevent this damage? If you failed to maintain your septic tank itself or protect the pipes in your drain field, your policy probably won’t take any responsibility.
You often have the chance to add coverage to your policy, so talk to your insurance agent about adding coverage or finding out what you can do to protect yourself against events your homeowner’s insurance might not cover. Doing your own research in the right places can save you the headache of having to pay for it all yourself later.
Schedule your next septic pumping appointment today!