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The short answer to this question is, it depends.\u00a0<\/span><\/span>\u00a0<\/span>It depends on your insurance coverage and the type of damage or repair it requires. Let\u2019s break down some of the most common issues facing septic tank owners and their insurance.\u00a0<\/span><\/span><\/p>\n<\/div>\n Your septic tank is connected to, but not attached to, your home. Unless otherwise specified in your homeowner\u2019s policy, it is unlikely that your tank and its attached parts are covered by insurance. An exception may be as part of a home warrantee which may cover the damage once a deductible is met.\u00a0<\/span><\/span><\/u><\/u><\/p>\n An obstruction can be caused by one or more issues. One of the more common is when roots get into the pipe connected to the home and septic tank. In any case it is most likely that the damage the backup caused would be covered but the blockage or obstruction outside the home may not be included. It would be important to know the fine print in your homeowner\u2019s insurance policy to know which would be true in your case.\u00a0<\/span><\/span><\/p>\n Another issue that can cause damage is when a tank is not properly maintained and causes a backup. You may have a sewer backup clause or add-on available to your policy but otherwise the damage in the home may be covered but sewer lines and tanks are typically not covered.<\/span><\/span><\/u><\/u><\/p>\n Typically your septic tank is not covered in a flood claim. Again, your policy should be reviewed to be sure and additional coverage may be available with your provider.\u00a0<\/span><\/span><\/p>\n According to a standard policy (also known as HO-3) The following items are commonly covered with few exceptions.\u00a0<\/span><\/span><\/p>\n <\/u>\u00a0<\/u>Items that cause issues such as cigarette\/cigar butts, cloths\/rags, paint\/stains and grease\/fat are not typically covered under standard policies.\u00a0<\/span><\/span><\/u><\/u><\/p>\n <\/u>\u00a0To recap, you are likely protected for most common damage caused by a septic issue but the infrastructure and repair to it is typically not covered without a special stipulation or additional coverage of some sort. The most important thing is to keep your septic tank healthy and cleaned on a regular basis. Is it time to get your tank cleaned? (See this article\/add link)<\/p>\n<\/div>\n [\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":" [vc_row][vc_column][vc_empty_space][vc_column_text] Is My Septic Tank Covered Under Homeowners Insurance?\u00a0 The short answer to this question is, it depends.\u00a0\u00a0It depends on your insurance coverage and the type of damage or repair it requires. Let\u2019s break down some of the most common issues facing septic tank owners and their insurance.\u00a0 My septic tank incurred physical damage such […]<\/p>\n","protected":false},"author":1,"featured_media":252538,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_ssv_seo_title":"","_ssv_seo_desc":"Does homeowners insurance cover septic tank damage? Meeks Environmental breaks down what's typically covered, common exclusions, and how to protect your system.","_ssv_seo_canonical":"","_ssv_og_title":"","_ssv_og_image":"","_ssv_schema_type":"","_simple_hide_title":false,"footnotes":""},"categories":[3,6],"tags":[],"class_list":["post-1215","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-company-news","category-residential"],"_links":{"self":[{"href":"https:\/\/meeks.acornpress.co\/index.php\/wp-json\/wp\/v2\/posts\/1215","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/meeks.acornpress.co\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/meeks.acornpress.co\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/meeks.acornpress.co\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/meeks.acornpress.co\/index.php\/wp-json\/wp\/v2\/comments?post=1215"}],"version-history":[{"count":1,"href":"https:\/\/meeks.acornpress.co\/index.php\/wp-json\/wp\/v2\/posts\/1215\/revisions"}],"predecessor-version":[{"id":254744,"href":"https:\/\/meeks.acornpress.co\/index.php\/wp-json\/wp\/v2\/posts\/1215\/revisions\/254744"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/meeks.acornpress.co\/index.php\/wp-json\/wp\/v2\/media\/252538"}],"wp:attachment":[{"href":"https:\/\/meeks.acornpress.co\/index.php\/wp-json\/wp\/v2\/media?parent=1215"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/meeks.acornpress.co\/index.php\/wp-json\/wp\/v2\/categories?post=1215"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/meeks.acornpress.co\/index.php\/wp-json\/wp\/v2\/tags?post=1215"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}My septic tank incurred physical damage such as cracks, broken lines, or damaged baffle.<\/span>\u00a0<\/span><\/u><\/u><\/h3>\n
My septic tank has an obstruction that caused a back up into my home.\u00a0<\/span><\/u><\/u><\/h3>\n
My septic tank has not been maintained and caused secondary damage.\u00a0<\/span><\/u><\/u><\/h3>\n<\/div>\n
My home experienced a flood and the septic tank is damaged.\u00a0<\/span><\/u><\/u><\/h3>\n
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