Will my Homeowner’s Insurance Pay for a Sewage Cleanup
in my Crawl Space?
In most cases, probably
not. In almost every case the claims adjuster is going to report that the sewer
line failed as a result of deterioration in the pipe. In fact, the adjuster is
going to ask many pointed questions as to your activity regarding maintenance
of the sewer line. Although the pipe is under the ground, Adjusters feel that it
is your property and you are responsible for maintaining it. Aftercare advises
that you contact us before calling your insurance company. Together we can
inspect the problem and come up with a presentation for the adjuster assigned.
The more knowledge you have the better the outcome for coverage.
There is however, a caveat
that may exist. If the sewer pipe is part of the infrastructure of the city or
town in which you reside, there may be coverage under the homeowner’s policy.
There is an endorsement available called “water backup and sump overflow”.
Although this endorsement is normally purchased for homes with finished
basements, you may have gotten it added to your policy automatically by the agent.
The coverage usually has a sub-limit of $5,000 or $10,000 along with a
deductible. If the water and sludge under your home is the result of a backup
in the infrastructure, then coverage will respond subject to the limit and
deductible.
In some areas of the
country where cities and towns have been affected by a shrinking tax base,
often times infrastructure maintenance is reduced to alleviate stress on the
budget. If that is the case where you reside then coverage may be available via
the water backup endorsement.
Aftercare knows the ends
and outs of making a claim for sewage spills under homes. Our technicians can
start immediately. Once we have cleaned a path to the broken pipe; your plumber
can get that break fixed. This will prevent further contamination in your homes
crawl space. Aftercare can now start to clean and disinfect all areas that have
come into contact with sewage. Aftercare will be happy to give you a free
estimate or answer any questions you may have. (757) 535-4367
Please click onto link below to read more
about Aftercare cleanup process.
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