- Does my homeowner's insurance policy or local utility cover this?
Traditional home insurance policies generally exclude the repair of underground water and sewer service lines. You should check with your Agent and your local utility rules, but you will almost certainly discover that all repairs on your property are your responsibility.
- What is covered?
Emergency Breakdown to your water or sewer service line which means sudden FAILURE to the external water/well lines or sewer/septic line due to defects in workmanship and/or material, breakdowns due to normal wear and tear, or breakdowns arising in the course of ordinary functioning and usage.
- Does my property qualify for waterline coverage?
Only single-family homes, duplexes and manufactured homes are eligible for coverage under this agreement. For eligibility, homes must have just one (1) exterior water/well line.
- Does my property qualify for sewer line coverage?
Only single-family homes, duplexes and manufactured homes are eligible for coverage under this agreement. For eligibility, homes must have just one (1) exterior sewer/septic line.
- What is the water line coverage?
You will be covered for up to $5,000 for each service call, $5,000 aggregate (Maximum) per year. This includes the cost of repairs or replacement of a broken or leaking water service line between the meter or property line and the home. In addition, your coverage includes all service call charges, materials and labor for the covered work.
- What is sewer line coverage?
You will be covered for up to $5,000 for each service call, $5,000 aggregate (maximum) per year. This includes the cost of repairs, or replacement of a broken or sewer service line between the meter or property line and the home. In addition, your coverage includes all service call charges, materials and labor for the covered work.
- Is sewer line maintenance covered?
Your policy covers emergency breakdown to your sewer service to include a sudden or unexpected blockage caused by roots or sludge build up but is not a replacement for ongoing or annual maintenance performed by you. You will still be expected to maintain your sewer line as needed to keep the line in good working condition.
- What is a sewer clean out?
A cleanout is required in the policy and provides an easily accessible exterior point of entry into the sewer line for inspection and repair.
- Is the septic system covered?
The policy covers only the piping from the foundation of the home to the inlet into the septic tank. The septic tank and all of its components, such as but limited to; drain field piping, sump pumps, grinders pumps, tank baffles and the like are not covered by the policy.
- What if my service lines run under structures?
We are not responsible for removal of obstacles such as: but not limited to, porches, decks, trees, walls, structures or the restoration of the same.
- What contractors are used for my repairs?
We use only pre screened local, licensed and bonded contractors for your repair. Each repair comes with a minimum 1- year warranty.
General exclusion: Previously existing water leaks, or conditions that will lead to reoccurring water leaks or sewer clogs that are KNOWN by the homeowner prior to enrolling, property owner negligence, natural disaster.
- Is there a maximum line length?
Water/well or sewer/septic service lines that are more than 200 feet are not eligible for coverage.
- Is there a waiting period?
There is a 30-day waiting period to file a claim; this helps to keep rates low by discouraging fraud.
- What if I use my own plumber or contractor?
The policy states that you must have prior authorization from NWC, we do not reimburse for unauthorized repairs.
- Who is covering your service lines?
National Water Company (NWC) administers this program on behalf of Lyndon Southern Insurance Company. NWC is an independent company that partners with insurance agencies, insurance carriers and utility companies to provide financial peace of mind to their customers.