A & S Drainage / Plumbing Experts

Serving Perth, Perthshire, Edinburgh and Glasgow, SCOTLAND

 Call us on: 01738 893994
0131 549 9496

Are Blocked Drains Covered by Home Insurance?

How Do I Get My Drains Checked?

Are Blocked Drains Covered by Home Insurance?

Are Blocked Drains Covered by Home Insurance?

If your home has blocked drains, you may be wondering whether or not they are covered by your homeowner's insurance. Many insurance companies will cover the cost of a plumbing or drain service when the drain has become clogged. However, you can expect the cost of the service to vary from one insurer to another.

This is for the person who has zero time to find a drainage specialist and fix the problem so it does not happen again at an affordable price.
Call: 07949 653019 or 07710 937750

Clear your drains on a regular basis

Home insurance policies typically don't cover flood damage. However, if you have a backed up sewer or backed up main drain, you may be able to claim on your policy.

It is important to have your drains cleaned on a regular basis. This can prevent you from experiencing minor leaks, which can lead to major problems. Also, you can have the drains looked at by a specialist to find out why the blockage occurred.

There are a number of ways to keep your drains clean, including using the correct detergents. You also need to be careful about what you flush down the toilet. Some products can clog your pipes, including soaps and paper towels.

If you have a blockage in your sink or bathtub, you may need to call the city or a plumbing service. But if the problem is caused by a simple buildup of debris, you may be able to perform some simple tasks yourself.

For example, if you have a clogged drain, you can try pouring vinegar down the drain. Doing this will help maintain your drains, but it may not get rid of a serious blockage.

The most common way to get rid of a clog is to flush hot water down the drain. In addition, you can use a shop vacuum to unclog your drain.

Sewage line backups may be covered by home insurance

If you own a home, you should purchase sewer line backup insurance. Adding this type of coverage to your policy can save you from costly repairs. The cost of this type of coverage varies, depending on how much you want to pay.

This type of coverage can be purchased on its own, or added as an endorsement to your existing home insurance policy. You should read your policy carefully to ensure that you're covered.

There are two types of sewage backup coverage. You can get a standard policy that covers water damage from sewer backups, or you can add this coverage as an endorsement. Generally, you'll need to pay an additional $40 to $50 per year to obtain this type of cover.

Sewer line backups may be caused by a variety of factors, including tree roots, pests, or faulty construction. Having your plumbing inspected regularly can help prevent these problems.

Sewer line backups can also happen because of natural disasters, such as earthquakes. Some homeowners think that their home insurance policy includes coverage for sewage backups. However, most policies don't.

In order to obtain coverage for a sewage backup, you must contact your insurer. They'll need to know exactly where the blockage occurred. Also, you'll need to submit receipts to them. Depending on the extent of the damage, your claim may be denied.

Collapsed drains may be covered by home insurance

It's not uncommon for homeowners to contact their home insurers about a broken gutter or drain. There's a good chance they won't get much help. However, it's important to remember that homeowners insurance is there to protect you in the event of a disaster.

Aside from floods and storms, your home is prone to sewer line damage. This can be caused by poor upkeep, faulty construction or pests. In any case, repairing or replacing the damaged sewer line is not cheap. So, it's best to avoid a disaster by ensuring that your pipes are in good condition. If you do find yourself in a fix, a quality plumber will do the job for you.

A standard home insurance policy doesn't cover service lines outside the home. To be on the safe side, you may need to take out a separate policy. Similarly, a sewage backup endorsement is a worthwhile purchase.

As with any home improvement project, it's important to consult your home insurer. You'll find a multitude of options in the insurance marketplace. Some may offer more coverage, or even specific drains. Depending on your needs and budget, you might need to shop around.

The best way to approach an insurance provider is to be open and honest. Getting quotes from several different providers will help you determine what you need.

This is for the person who has zero time to find a drainage specialist and fix the problem so it does not happen again at an affordable price.
Call: 07949 653019 or 07710 937750

Hope you liked this blog: Are Blocked Drains Covered by Home Insurance, click the blog link at the top of the page to see our other blogs, your drainage specialist.

Drainage and waste disposal: Approved Document H - Government Publications