Service line coverage is an insurance policy endorsement that protects homeowners against the costs associated with the repair or replacement of underground service lines. It covers up to the meter on your home’s exterior and includes exterior utility pipes (or lines) that run underground and supply your home with a specific service, such as water lines, sewer lines, or other utilities like gas and electricity. A service line warranty covers damage to sewer, water, gas, and electric lines and typically costs $7.57 to $23.99 monthly.
Service line coverage provides financial help in situations where you need to dig up your patio or cannot live in your home while the line is damaged and being repaired. The odds of having a catastrophic water or sewer line failure are quite low, even if you own a house for decades. Service line coverage offers up to $10,000 per occurrence for damage to your exterior underground service lines, including water piping that connects from the dwelling or other structure to a public water supply or other structures.
There are practical tips to help homeowners decide whether buying water line insurance from utility companies to repair outside leaking pipes is worth it. Outside service lines rarely fail, especially the plastic ones. However, some homeowners may not need insurance for their water or sewer lines, as enhanced coverage pays not only for service line repairs but also for damage to outdoor property caused by repairs. If you have exterior water service line coverage, the damage and repairs may be covered.
📹 North Carolina flooding, deaths confirmed: Helene aftermath & recovery in Asheville
Gov. Roy Cooper announced in a release that rescue and recovery operations are continuing to take place in Western North …
How do I protect my outdoor water lines?
Pipes along exterior walls of a home are at a higher risk of freezing and bursting. Protecting exposed water pipes with products like pipe sleeves, heat tape, and heat cables is essential. Insulating exterior faucets around the foundation with foam covers and installing exterior faucets that cut water off from the interior of foundation walls can also provide extra protection. To detect frozen pipes, flush the toilet or turn on a faucet to see if water comes out.
If water doesn’t come out, an ice blockage may be present and the water source should be turned off immediately. Moving exposed pipes may also help prevent freezing. Central Plumbing Specialties is a local expert in New York plumbing supply needs.
Why would a water damage claim be denied?
Insurers differentiate between sudden damage and issues resulting from neglect or lack of maintenance. Regular upkeep is crucial to avoid potential denials. Gradual damage, which occurs over time, is often not covered by insurance policies. Insurers view these as maintenance issues, assuming homeowners have time to detect and address the problem before significant damage occurs. Improper documentation, such as photographs, detailed notes, and receipts for immediate repairs, is critical for substantiating claims. Effective documentation acts as proof of the extent and cause of the damage, facilitating a smoother claims process.
Is plumbing covered by home insurance in Florida?
Standard homeowners insurance typically covers sudden and accidental damage to interior systems like walls, floors, and appliances, but does not cover the repair of plumbing leaks or damage from leaks that develop over time. Damage to roofs, air conditioning units, and foundations resulting from theft, fire, hail, storms, and other specified events is typically covered. However, the repair of the underlying plumbing issue causing these problems may not be included.
Common plumbing issues covered by homeowners insurance include burst pipes, failed water heaters, and compromised washing machine hoses. Appliance leaks are typically covered if the damage was sudden and unexpected, not gradual over time.
What is the best pipe for outdoor water line?
Polyethylene pipes are durable and suitable for various applications like drainage, irrigation, water service, and underground gas transport. They are joined with primer and solvent. ABS pipes are used for drain-waste-vent applications and can withstand higher temperature drain water than PVC pipes. It is crucial to know the exact pipe size before installation, as there are several dimensional standards for all types of pipes.
Does homeowners insurance cover replacing cast iron pipes?
Homeowners insurance typically excludes cast iron pipe replacement as regular maintenance, rather than unexpected damage. Coverage may apply only in specific situations like accidental damage or policy add-ons. However, the policy may not cover pipe damage due to lack of maintenance, not a sudden or unforeseen event. Understanding the specifics of coverages and exclusions within your insurance policy is crucial, especially regarding routine home care and repair needs. When home insurance does not cover cast iron pipes, it is essential to file an insurance claim and avoid these issues.
Can you run water lines outside?
Water-related plumbing should be placed in interior walls and not in exterior walls or unheated attics. If plumbing is in exterior walls, pipes should be well-insulated and air-sealed to protect them from heat loss. Cavity insulation should be installed behind pipes and between them and the exterior wall. Common places for exterior wall plumbing include basement bathrooms, attics, shower heads in ceilings, laundry hook-ups, and kitchen sinks.
To keep pipes warm and prevent freezing, any necessary measures should be taken. Exterior plumbing is commonly found in areas where there is no other place for the plumbing to go, such as basement bathrooms, attics, shower heads in ceilings, laundry hook-ups, and kitchen sinks.
Do most homeowners insurance cover broken water pipes?
Home insurance typically covers cleaning and repairs for water damage caused by frozen pipes. However, if you turn off your heat when leaving your house for a few days, causing the pipes to freeze when outdoor temperatures drop, your claim may not be covered. To prevent freeze-related disasters, take smart steps to maintain and protect your pipes, such as replacing the thermostat’s battery, setting it to a minimum of 55° when away, and winterizing your home by draining the plumbing system and shutting off water.
Water line breaks are not typically covered by homeowners insurance unless sudden, significant damage occurs. However, if a water line breaks due to age, wear and tear, poor installation, frequent ground temperature changes, shifting soil, pest damage, or encroaching tree roots, the break and resulting water damage are not likely to fall under your regular coverage.
Does homeowners insurance cover main water line replacement in Florida?
Standard homeowners insurance policies do not cover damage from main water line breaks or water damage to your home. To protect your home and cover the cost, consider adding a service line endorsement to your existing policy. SageSure offers service line coverage that provides up to $10, 000 of protection for less than $5 a month, covering underground electrical, sewer, natural gas lines, and connectivity cables.
This coverage helps property owners avoid repair or replacement costs, replace outdoor property affected by failure or damage, pay for temporary repairs, and offer reimbursement for additional living expenses during outages.
How long do exterior water pipes last?
Steel pipes have a lifespan of 40-70 years, while copper lasts 50 years, and galvanized steel has an average lifespan of 20-50 years. Drain lines are typically made of cast iron or polyvinyl chloride (PVC), with cast iron lasting 75-100 years and PVC having an indefinite lifespan. Polybutylene, a type of piping used from the 1970s to the 1990s, is highly prone to breakage and is often found in South Florida. If pipes look grey, they are likely made from polybutylene.
What size water line should I run to my house?
A 1″ water service line is sufficient for most single-family houses, while older homes with smaller lines may benefit from upgrading to a single size. Even two-family homes can survive on a 1″ water line. Harris Main and Water Sewer Contractors in New York City offers services like broken water main repair to help homeowners take control of their plumbing and ensure the safety of their city and its residents.
How much does it cost to run a water line outside?
The cost of replacing a water main line varies across the US, with the average cost being between $1, 500 and $12, 000. The cost of a 25-foot long main line with galvanized steel using a trenchless installation is around $3, 750, while a 10-foot long line with PVC pipe costs $1, 125 using a trenchless installation. A 100-foot long main line with copper pipe costs $22, 500 using a dug trench installation. The main water line is a branch line from your town or city’s main line, running under the ground through your yard, which may be your front, side, or backyard.
The cost of a main water line in the backyard is the same as the front yard if all other factors are equal. If the water mainline changes location, the cost may be slightly higher as a new hole must be drilled through your foundation.
📹 Tracking Helene | Live team coverage from WCNC Charlotte 9/27/24
Live coverage of Tropical Storm Helene from the Weather Impact Storm Team and WCNC Charlotte.
We almost bought property in Asheville last year. After realizing there were ZERO building regulations to ensure proper buffer zones regarding landslides and flooding risks, we decided to invest our money in Virginia instead. The realtors thought we were paranoid. Just wow. I wish all the victims of this terrible storm a speedy recovery and may those who lost their lives rest in peace 🙏
It’s times like this that peoples preconceptions about the south, and especially Appalachia, become really harmful. Reasses whether the way you think about these areas is classist, racist, etc-phobic, and something planted in your head by others rather than lived experience. There are good and bad people, as well as all different nationalities and orientations and races, everywhere. These are not ‘backwoods redneck inbred’ towns nor are they ‘fancy getaways for rich people to play cottagecore’. This is real life, guys, it’s time to grow up and act like it.
Praying someone can help the students at Mars Hill University. Our granddaughter, Lexsie, is a freshman there and she’s been surviving on Cheez-its and water; hasn’t had contact with the outside world for days, but their power just came on this morning. Not sure if there is food at the mess hall yet. I know it was rationed and far and few between.
Thank god for the infrastructure bill and money set aside for states! My god! Thank goodness for all the national guard that will be mobilized. Thank god for federal funding that will come through this is what our taxes should go to! I’m sorry what you have lost but I hope you have smooth recoveries!
I live in Bryson City in Swain County and the town itself is OK just minor flooding close to the river that runs in the middle of town. The cellphone system is not working even though I get 4 bars. Cannot even connect to 911 and I live in town. Supermarkets are running out of food and you need to have cash, no debit or credit cards are working. All I have to communicate with is cable internet, so I can get the news on YT. We have city water working but you need to boil it well before drinking it. Electricity in town was out only 9 hours.
The recent flooding in Appalachia is a devastating reminder of how neglected our nation’s infrastructure has become. While American communities suffer from preventable disasters, hundreds of billions of taxpayer dollars are being wasted on uncontrolled immigration and foreign interventions in places like Ukraine, Israel, and other regions. This isn’t just a partisan issue—it’s about priorities. The establishment continues to funnel money abroad and into managing the consequences of poorly controlled borders, while ignoring the critical needs of American citizens. Rather than preparing for the real and inevitable effects of climate change by investing in infrastructure to protect our communities—like upgrading dams, levees, and flood control systems—the establishment would rather drain your pockets chasing green energy boondoggles that benefit their cronies. For a fraction of what’s been spent on these efforts, we could have repaired and reinforced our dams and other vital infrastructure, preventing the kinds of disasters that cost American lives and livelihoods. We need leaders who will put America first by focusing on rebuilding our roads, bridges, dams, and communities instead of putting foreign interests, uncontrolled immigration, and costly green energy schemes ahead of the real needs of our people. It’s time for all of us, no matter our political affiliation, to unite and demand a government that prioritizes the safety and well-being of American citizens. Vote for leaders who will challenge the establishment, invest in critical infrastructure, secure our borders, and protect our communities.
I’ve been stuck in Asheville for 3 days now and I haven’t been able to get no gas since everyone is hording it and drying the gas stations out. There’s also the gas stations with no electricity so it’s only limited. We have no place to stay since hotels are all booked or closed down. We’ve been stranded for days.
My home in Boca Raton, FL had a tentative closing date of May 15th and from here I had my heart set on moving to Asheville, NC and purchasing a home there. But the buyer backed out of the deal and I am still trying to sell my home. Looks like I dodged a bullet. God only knows what would have happened to my precious Scarlet Macaws had I made the move and then had this natural disaster occur.
HELENE & THE STORMS OF LIFE -2024?? Helene hit like an atom bomb Consuming the helpless in its path. The waters of the deep surged forth Flooding everything with their wrath. The storms of life come to everyone There are none who are immune. Some approach in our later years While others come too soon. Conviction is our emotional union As we weather the storms of Earth. Thank God for His amazing grace Which helps us reveal our worth. Tears are a love-mates humble gift When it’s time to say goodbye Though the eyes are wet and swollen With time and patience they dry. By Tom Zart
I don’t know where that man was in the 90’s but the biltmore village was growing and thriving That area has been a huge source of tourism income during the fall and holiday season. My concern is that WNC will be hit hard economically after this. My prayers go out for everyone there and the Southeast affected by this incredible hurricane. May this become an opportunity of biblical proportions to open hearts of everyone and bring this country more in harmony and caring for each other again
I do know a lot of the people got scattered. We have a lot of refugees where I’m at East of the devastation area. Currently everything’s chaotic and we have over 400 roads closed which makes going in and out of the state difficult if not impossible no matter where you’re at we have an ungodly amount of people that are without power and drinkable water. We are having some communication issues even on the East because of a lot of the cell towers are no longer existent. It’s an epic mess. All I can suggest is trying to find a website that is associated with the cleanup and rescue and try to reach out to them. When I get some knowledge of of anything like that I will definitely post it.
This is a prime example of why more people need to get more prepared and think about “Emergency Preparedness Management” for both your home and vehicles. I am a YouTuber under my Full-Name with the same profile picture as this post with 47 articles covering 27 different category topic subjects sharing my personal knowledge and experiences with others to help others improve their overall adult lives. I’ve got articles on building yourself a high quality 24-72 Hour Survival Bug Out Bags, Home and Vehicle Preparedness and Readiness advice articles, several Financial Literacy advice articles, a dozen Cooking Creation Recipes articles, and more! That flooded area should also consider looking into Aqua Dams and Dam Easy door barriers products.
Land use. Consider expanding State protected Forests and watersheds. Sure, moving away from Florida to escape the Hurricanes seemed an obvious action. But then development expanded into raw forested tracts all over North Georgia, Western North Carolina, Eastern Tennessee and beyond. Forests became townhomes and shopping strip malls and little country roads became four and five lane asphalt conduits for flood water movement. Sure we can call this a One Off rarety, a confluence of events to create the “perfect storm” scenario. But wait. Look beyond America. It seems to be happening a lot in other countries too? Why?
yes, this is very horrible… but if your God loves you, He will chasen those He loves!humble you to your ways. Don’t curse God yield to your ” Father” and repent, and it is fearful to fail upon a Holy God the topless rallies and sexual acts are just as bad …. judgment as came apon the evil if you stood there taking pictures and perusal shame on you and the suffering cane on yall also ..naked people rubbing and messing with each other in public in front of children is wrong … REPENT : Yes, this act of judgment is horrible for you. A CALL of repentance is needed … the topless rallies are just “as bad” …. these acts cause damage … do not desecrate yourself to speak a grievance being thankful to vote should be respectful, not case harm, either Holy judgment as came apon the evil .. naked people rubbing and messing with each other” in public in front of children” is wrong … Please REPENT ! of their ways and make laws to protect children and others from the ways of indecency and ungodlyness, their ways and leaders make laws to protect children and others from the ways of indecency and ungodlyness
Ok this is horrible but please make sure that you give ALL the money you CAN to ISRAEL! They are fighting on behalf of the United States right now! Give some money to North Carolina but there will not be a North Carolina if there is NO ISRAEL!!! Please don’t forget that! KEEP ISRAEL IN YOUR PRAYERS!!
The DoD might have to divert $120 B from foreign wars to FEMA? No wait. The Treasury can simply issue more debt. Good thanks to the Federal Reserve lowering Fed Funds rate by 50 basis points. Now the Feds can pay $12 B less in interest in financing the $28 T National Debt. How much is the interest expense relative to the Federal Annual Budget? I believe it is the third or fourth largest item in Federal spending?
My heart just aches for everyone caught in the path of these terrible storms. There will be more storms, more deaths, more grief if we don’t elect a leader willing to do what’s needed! The Democrat presidential candidate has a plan of action against climate change. The Repubican candidate doesn’t even believe in it. It’s OUR choice in November!