Are Septic Tanks Covered Under Homeowners Insurance?
When you purchase homeowners insurance, a lot of people don’t bother to check the specifics of the policy. The issue here is that when there is a problem with the home, you might not be 100% sure about whether or not it is covered under the policy that you have taken out. For example, you might not be sure if your septic tank is covered under your homeowner’s insurance, but luckily for you, that’s what we are going to be talking about. Keep reading if you would like to find out more about this topic.
What Is Homeowner Insurance
Homeowners insurance covers losses and damage to an owner’s residence, furniture, and other assets in the home. It also provides liability coverage against accidents that happen either inside the home or on the property, giving you peace of mind. The policy will usually cover interior damage, loss or damage of personal assets, an injury that arises while on the property, and exterior damage.
It’s important to understand that every homeowner’s insurance policy will have a liability limit. This is the amount of coverage that the person purchasing the insurance as if they need to make a claim.
Is Your Septic Tank Covered?
It’s easy to get confused by septic tanks and whether or not they are covered under the policy that you have taken out. While all policies are different, we are going to be talking about a general idea around septic tanks and homeowners insurance. So, if your septic tank leaks and causes damage to your property, the good news is that this is going to be covered under your policy. Or, if there is any other damage to your home that has been caused by the septic tank, this is most likely going to be covered as well.
The problem comes with the actual septic tank. Some companies will cover you for the septic tank itself, but only to a certain extent. For example, a policy may say that the septic tank is covered in case of ‘accidental damage’ but how do you know what is an accident. Your insurer can refuse your claim if you haven’t emptied the tank in years since you have moved in. Your insurer can also refuse the claim if it is a wear and tear issue.
How Do You Make A Claim?
If you would like to make a claim on your insurance regarding your septic tank, you are going to need to call your insurance provider and tell them exactly what happened. They will be able to guide you as to what steps that you need to take next, if any, depending on your policy.
We hope that you have found this article helpful, and now have the knowledge that you need about septic tanks and their coverage under your homeowner’s insurance. It’s always important to understand the ins and outs of your homeowner’s policy because you don’t want any surprises when you come to make a claim later down the line.
If you need to schedule a septic tank cleaning, pumping, or inspection, don’t hesitate to call Strombeck Bros. at 574-498-3805 any time.