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A plumbing problem is one of the biggest worries for any homeowner. It is no secret that plumbing issues are disruptive to your routine, overwhelming for the homeowner, and expensive to solve.

As soon as you suspect that you might be looking at a sewerage repair or replacement in the near future, you begin to get anxious about the money it is going to take to solve it, and whether you have enough saved up. This is directly followed by the question of your home insurance paying for the repairs or not. In this article, these are the problems that we will discuss and answer.
What can damage a sewer line?

As you would expect, there are many elements that can lead to the damage or collapse of a sewer pipeline. While some of them cannot be prevented, there are still several others that could be avoided if the right precautions are taken, and there is regular maintenance of the plumbing. This is why it is so important to know how long your pipelines are supposed to last – and schedule non-invasive detection tests for any damages accordingly.

The following are some, but not all, of the reasons why a sewer pipe in a residential building may break:
  1. Passage of time since the installation of the pipes
  2. A DIY attempt to solve an existing plumbing problem
  3. Using corrosive chemicals in your cleaning products
  4. Surrounding tree roots infiltrating your clay sewer pipe
  5. Disposing of trash down the drain
  6. A grease clog
  7. A shift in the ground, for example, an earthquake
  8. Objects falling onto the pipes
  9. Vandalism
  10. As a result of riots and unrest in the city
  11. As a result of harsh weather conditions

How much would repairing or replacing a damaged sewer line cost?

Typically, a small or medium repair of your sewer line can cost between $1073 and $4054, with an average of $2556. If you are looking to replace the entire time, it will usually take between $3000 and an alarming $25000. However, it is essential to remember that the exact cost varies from case to case and depends on both – the extent and location of the damage.
When should you file an insurance claim for your damaged or broken sewer pipe?

Doling out $25000 for a plumbing issue is not easy. Nobody has that sort of money just lying around the house, or even saved up in banks unless you are Richie Rich’s parents.

At the same time, you cannot just ignore the massive problem in the backyard and keep living your life. Besides the fact that your life will be turned upside down, the neighbors will also complain about the unbearable smell. At this point, you are likely to think of your homeowner’s insurance – and pray to God; it covers the expenses.

There are two criteria by which most insurance companies will judge your claim for a plumbing repair or replacement – the location, and the causation. It is these two benchmarks that you will have to pass for your claim to be granted.

First, the insurance company will like to know where the problem has occurred, and the areas to which it has spread. Here, you can have one of two cases: either the problem occurred in the area that is your property or the city. It is only if the damage has occurred on your property that the company will further consider your claim. If the land belongs to the town, you might be better off asking the government to pay for the repairs.

Next, the insurance company will investigate what initially caused the problem. Was it your fault? Or were you just unlucky enough to be caught up in an unfortunate event?

Most insurance policies will reject your claim if you appear to be at fault. For example, if you did not keep a regular check and balance on the conditions of your plumbing, you are not likely to have a strong case. In addition to that, any misuse or abuse of your sewer line such as dumping trash down the drain, clogging up your pipes with grease, or washing your bathroom with cleaning products that contain harsh, reactive chemicals might also lead to you losing out.

On the contrary, if it was hail, snow, lightning, fires, earthquakes, or any likewise natural calamity that caused the damage, you are right to file a claim. Furthermore, any other causation that you were not directly or indirectly responsible for also makes a strong claim. These include vandalism, unrest, and riots in the city, and a manufacturing defect by the company who made your pipes.
Minimize risks, reoccurrences, and costs by choosing a plumbing service that offers the best of the best

When your plumbing line bursts, you might be tempted to take care of the problem yourself – especially when you look at the expenses the repair or replacement is likely to incur.

This is when you must keep steadfast and not be swayed by the temptation of taking hold of a wrench and going at it. As listed above, a DIY attempt at fixing by an inexperienced individual can give birth to further, problems that have a pricier solution.

Therefore, instead of taking a swing at a plumbing problem, you should alternatively call a professional Dallas water line repair company to take care of the issue. Professionals do not only have the expertise and knowledge to solve each plumbing problem in the best way, but they can also advise you on what kind of pipes you should choose when getting the line replaced.
The final word

Are you worried that your sewer line is past its typical lifecycle? Do you have a feeling that you might be facing a big plumbing problem shortly? Have there been the telltale signs of water leakage and other plumbing issues in your backyard and bathroom? If so, then it is about time that you find out if your plumbing repairs are covered by your insurance.

Author Bio:

About Ashley Rosa: Ashley Rosa is a freelance writer and blogger. As writing is her passion that why she loves to write articles related to the latest trends in technology and sometimes on health-tech as well. She is crazy about chocolates. You can find her at twitter: @ashrosa2.