Does Your Home Insurance Cover Everything–Including Septic Tank Spills

Your home’s septic tank system needs maintenance responsibilities over the years. At some point that a problem occurs, it may also need some cleanup. Now that will be a gross and smelly problem, and expensive, too, if it ever appears. So when issues like that happen, is your home insurance covering it?

We buy home insurance, so it covers unexpected damage to our properties. Home insurance generally has all structures in your home covered, including the septic tank. This means that if it gets damaged unexpectedly, your insurance should cover your losses.

Home insurance for septic tanks generally covers fire or lightning damage, explosions, frozen pipes, water damage, plumbing problems, and fallen trees. All these hazards are unexpected or unavoidable. Therefore they are covered by insurance.

Sometimes homeowners cover damages to your septic tank, and this may include backups and spills. However, the coverage may be for specific circumstances or for a particular time period. This means that you should ensure that your home insurance covers such damages by informing your home insurance agent. Letting your agent know that your home has a septic tank allows them to include the proper policy terms for its coverage.

Your home insurance only covers issues of internal damage or related unexpected problems to your septic tank. That is mainly because it is not at risk of environmental hazards since it is buried underground. Problems from wear and tear, clogging, ruptures, and overuse are the typical coverage issues. However, problems that arise due to a lack of maintenance may not be covered by your insurance.

Moreover, your homeowner’s insurance may not cover damage a malfunctioning sump pump caused on your property, which means that you’re going to have to talk to your agent to include this in your insurance policy. Ensure that these issues are covered so when you encounter problems like clogging, your insurance will cover it.

Now that you know what your home insurance covers and which damages to your septic tank it includes, what should you do in case you face this problem?

First, you should call a professional team to clean up the tank or repair any issues. It’s also wise to call up your home insurance agent as soon as the problem arises to verify that your policy covers it. If it is, they will assist you in getting the damage repaired, and all cleaned up. As long as you have a good insurance policy that keeps you covered from unexpected problems like these, you have nothing to worry about.

To get the best homeowner’s, renter’s, or mobile home insurance, get in touch with Sanford Insurance Center. We are a family-owned local insurance provider in Central Florida servicing Sanford, Heathrow, and other areas. We provide coverage for property, liability, living expenses, medical payments, flooding, and hurricanes. View our policies and get covered today!