Does Homeowners Insurance Cover Septic Tank Repair?

Does Homeowners Insurance Cover Septic Tank Repair

If you live in a home with a septic system then it’s important to understand what all that entails so you don’t get stuck footing the bill for expensive repairs. Your septic system is part of your home, so when the septic tank is damaged suddenly then it should be covered by your homeowners’ insurance policy. There are certain parameters around what your homeowners’ insurance will cover when it comes to septic tank repair and there are specific steps you can take as a homeowner to help prevent costly out-of-pocket repairs.

Sudden Damage to a Septic Tank

Sudden damages like cracks or holes on your septic tank should be covered by your homeowners’ insurance policy, though there are limits to these protections. It is also important to note that damage due to flooding or earthquakes is typically an addition to standard homeowners’ insurance policies. The type of sudden damages typically covered by insurance that can affect a septic tank are related to problems that you as the homeowner could have done nothing to prevent.

This includes environmental damage like the weight of snow or ice on the ground above the septic tank area. Additional environmental causes may include lightning, fire, hail, or freezing pipes. Other types of sudden damage may include theft, vandalism, and any damage caused by civil disturbances. Your homeowners’ insurance policy should have a list of all sudden, or acute, damages covered for your home. However, it is important to understand that what typically ends up damaging your septic tank are not covered in these types of sudden damage examples.

Preventable Damage to a Septic Tank

The most common reasons for repair and other septic tank services tend to be damage that occurs due to lack of proper maintenance or human error. Unfortunately, these incidents are rarely covered by homeowners’ insurance policies. Preventable damage to a septic tank may include flushing or pouring materials down the drains that may cause clogs, backups, or otherwise damage the septic system. Common foreign objects that should never be flushed down the drain include baby wipes, diapers, cat litter, feminine products, and kitchen greases. Whatever solids go into the septic system will not dissolve on their own, which means they will need to be pumped out.

A septic system that has not received regular maintenance like septic tank pumping in Atlanta will also be more prone to damages and can require costly septic tank repairs. If your septic tank is not regularly inspected then what might be a small, easy fix can turn into a much larger and more costly problem down the road. Poor use and maintenance of the septic system can also contribute to damage in the leach field area due to overflows or backups in the septic tank itself. It’s important to understand where the septic tank and drain field are located on your property so you know where to keep an eye out for any deep-rooted trees or plants and avoid driving over the space.

Preventative Maintenance for a Septic System

Investing in preventative maintenance provides significant savings by helping to avoid costly septic tank repairs in the future. Professionals at Septic Masters, LLC, are licensed and skilled in septic system inspections and can develop a maintenance schedule that works best for the size of the septic tank compared to the number of people regularly living in the home. An inspection will also include measuring the ratio of liquid to solid waste in the septic tank, which helps determine whether any septic system habits have changed and whether or not the maintenance schedule should be adjusted.

Regularly scheduled septic system maintenance also includes a septic tank pumping. These are typically recommended every 3-5 years, but depend on the tank size and number of people in the home. To avoid any backups or overflows, regularly scheduled septic tank pumping with Septic Masters, LLC, will involve a technician coming to your home with a tanker truck that is safe for transporting waste. They will attach an industrial hose to the septic tank that will then pump out all the waste in the septic tank. Once it is empty, they will be able to inspect the tank for any potential cracks or other issues that could develop into problems down the line.

Whether you need to schedule septic tank repairs or just want to get started on a regularly scheduled maintenance plan for your septic system, Septic Masters, LLC, is here to help. We are available 24/7, 365 days a year so you can get the help you need no matter when you call.


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