is exterior water service line coverage worth it
is exterior water service line coverage worth it
By bringing in electricity, heat, gas, Internet and more, these lines make your home habitable. Your Internet line just broke, and your streaming service took the hit. I said, Let me tell you something. The person I spoke with gave me another number to call so, now, I have two numbers just in case I have to call again. I've never had an issue. Youre not covered. I said that was impossible. by livesoft Wed Jun 10, 2020 2:44 pm, Post Service line coverage is already rolled into the standard policy. In our case, it's offered at $4.49/month. I always toss them in the trash. Do you receive this same insurance coverage "opportunity" where you live and, if so, do you purchase it? Im more of a visual person. Water line problems: Four hour ditch witch rental for less than $100 +100 feet of black plastic pipe for less than $100 installed inside 4 inch sewer pipe for less than $100 equals done. His name was Richard. Now, I just had to figure out what kind of flaps I need to buy, and then try to replace them myself. Policygenius content follows strict guidelines for editorial accuracy and integrity. I have owned and lived in about 15 homes in the past 25 years. I understand he cant spend all day waiting for each toilet. How big is it? Oh, its gonna be a small cut. He proceeded to cut the wall all the way down. He did not say how much this will cost. We requested a quote for a home in Tulsa, Oklahoma, and got the following pricing information: *Prices quoted for Tulsa, Oklahoma. It took four people before the problem got fixed. If they don't want to fix it permanently, they can continue to come out yearly and take care of my needs. The people that come are real convenient for me because if I work, theyll try to come before work. Yes, we receive them in my section of Maryland. I was fine with how he explained it, and the solution for it, too. So, it worked out. Some service or utility lines typically covered by service line coverage include: Here are some examples of what isnt covered by service line coverage: Piping or wiring that isnt connected and ready for use, Septic systems (a septic tank and the pipes that attach it to your home is usually automatically covered by a standard homeowners policy), Wiring or piping that runs through a body of water, Service line coverage typically costs around $30 to $40 per year only $2.50 to $3.33 per month for between $10,000 to $20,000 in coverage on top of your homeowners policy. It was fixed. Appreciate all your responses. When he was done I got a bill for $1,919.25 and it lasted 30 minutes. Service line coverage can shoulder the financial burden. It paid off for me due to having a tree planted by the city 10 years ago right on top of old sewer line. by Teague Wed Jun 10, 2020 7:24 pm, Post Read up on topics ranging from understanding insurance and home care to DIY tips and more. I use HomeServe when I need them. Then I tried the other number thats on the back, and I got a recording, I got transferred, and then I got disconnected. They're real helpful when it comes to flexibility. They are always knowledgeable and polite. I didn't really know how to isolate it. Ill continue to take my chances on normal wear and tear water line breakage. For more information about reviews on ConsumerAffairs.com please visit our Lets say a tree root grew through your sewer pipe on your property and it caused a leak. by mfswatz9 Thu Jun 11, 2020 11:29 pm, Post So far, over the years, it has been anything from great to, we specifically requested some don't come back out. However, it doesnt have to be., You can secure every part of your home by adding service line coverage to yourhome insurance policy, which will protect you against the financial burden of fixing utility lines under your home even if it cant rewind time so you can catch the last two minutes of the big game.. it is now the owner responsibility from the house to the city main and includes the owner connection to the water main. He stood there and said, Ive never seen a problem like this before. Then he was like, I cant fix it. And I said, Why? When he opened up the wall, he said, Your pipe is leaning, and so I can't change the whole new pipe. I said, Well, that's fine. How much does service line coverage cost? I checked on these policies being discussed here and it seems like you are protected only under certain circumstances. When he came the next day, he did a wonderful job and we were able to get our water back on. Service line coverage protects you from having to pay for damage to your underground utility lines. Please speak with your agent to learn more about your coverage options. I call, the same day, theyre here. by John88 Fri Jun 12, 2020 6:26 pm, Post A small tree fell on the power line coming into my house. And on top of that, imagine if the repairs to the line make your house uninhabitable, and youre forced to spend time in a hotel during the work. And now I have to order a piece. I was like, Well, okay. The next day, he kept saying, The piece wasnt in. Our service line coverage is a simple and affordable way to protect yourself from the high costs of service line failures. The cost to excavate and replace the underground power line may be covered. (855) 999-9746[emailprotected]Contact us to file a claim. It has been easy. He said he did not have the proper weather head with him on the truck because he was not aware that that was going to be the problem. I called HomeServe back. by Doom&Gloom Wed Jun 10, 2020 7:54 pm, Post At American Family Insurance, were here to help. They did tell me that they contacted somebody in California or in my area, and then they said they would come the same day between 3:00 and 7:00. He started running the snake. Getting systems serviced by HomeServe is a straightforward process, with representatives available 24/7 to take your call and dispatch a local, licensed technician to your home to make the needed repairs. Utility companies will very rarely take the blame, it is usually up to the customer to front the bill. Overall, HomeServe is great. Pricing and plan options vary by location. Though it isnt common, accidents do happen even underground. And its affordable! He was very good. Companies displayed may pay us to be Authorized or when you click a link, call a number or fill a form on our site. How do I know I can trust these reviews about HomeServe? These statements do not add or modify any coverage under your insurance policy. I would get a question from her, answer her, and had no acknowledgement that she had actually heard me. So, I got in touch with HomeServe so they could come out and figure out where the leak was at. We never could have afforded the repair. (800) 585-0705[emailprotected]We are here continuously from 6:30 a.m. CT on Monday until 7 p.m. CT on Friday. I think they call it accidental and unexpected or some such, but pretty much not covered for old age or average wear and tear. by Mudpuppy Thu Jun 11, 2020 12:35 am, Post by BoomerM3 Wed Jun 10, 2020 1:44 pm, Post HomeServe has a one-year workmanship guarantee on all covered repairs, except for surge plan repairs, which include a 90-day warranty. I'm out almost $2000.00 and it's 90 degrees in my house. About 3 years ago we had a problem with a broken pipe in our front yard. The numbers that are on the paper are worthless. Within minutes I heard from a plumber. Learn more from American Family Insurance. And for a small monthly payment or sometimes, no monthly payment depending on the provider you get the peace of mind and protection you need in the event an accident occurs. HomeServe has been working out well. HomeServe sent a technician and he replace the part and everything was fine for 3 days. The really amusing one offers protection for natural gas lines which do not exist on my property! How Much Does It Cost To Replace Or Repair A Sewer Line. I had a problem the latest time that I did a claim to HomeServe. In most cases, the homeowner will be responsible for funding any service line work done within the confines of their property. Prices and plans may vary by location. by StevieG72 Sun Dec 05, 2021 9:34 pm, Powered by phpBB Forum Software phpBB Limited, Time: 0.291s | Peak Memory Usage: 9.77 MiB | GZIP: Off, Questions on how we spend our money and our time - consumer goods and services, home and vehicle, leisure and recreational activities. HomeServe will send a licensed, local technician to your home. We have lived in the same house for 30 years. Imagine spending a week in the winter without heating, trying to work from home without the Internet or taking a shower without water. The cost to excavate, repair the water supply line and backfill may be covered. This is why I have complete peace of mind with HomeServe, that if something happens, my kids aren't going to be cold, we're gonna have heat and we're gonna have water. We signed up for the water heater program and I got charged like $4 a month. An underground power line providing electrical service to your home significantly deteriorated over time and resulted in arcing. Learn about our editorial standards and how we make money. This article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice. We can't do that. After youve paid the deductible, youll be covered up to the policy limit. ConsumerAffairs is not a government agency. Corrosion also accounts for 850 water main breaks in the U.S. per day, resulting in over$64 million in damage since 2000. I said it was impossible. He explained how to check to see if my toilet flaps, and if theyre allowing water to seep through occasionally. They told me that I was covered. So, I called HomeServe and I said, Don't send them back at my house ever again. They sent the fourth guy out. Small tendrils of roots can infiltrate tiny crevices in pipes can crack them open over time as the roots continue to grow. They sent a plumber to my house and he said, You don't have an issue inside, you have an issue outside. Insurer sent out a crew to dig a hole in the street to replace. Unsubscribe at any time. by bdaniel58 Wed Jun 10, 2020 8:15 pm, Post How much does long-term disability insurance cost? The tech was pretty helpful. Service line coverage will generally cover the costs of repairing or replacing utility lines, as well as the excavation and landscape restoration after necessary repairs are complete. Once they assign it to one of the contractors, we would typically get a call, email or text from whoever that they've been assigned our job, and when they're expected to arrive. All Rights Reserved. I have had water pipes fail due to construction equipment digging too aggressively but that isn't covered by the insurance policy I receive. He said, if thats the case, its most likely something with the toilet leaking periodically. I ignore them using the same logic I use for all insurance. It turns out, they contacted me that night to schedule between 3pm and 5pm the following day. Service line coverage is a homeowners insurance endorsement that reimburses you in the event that a utility line is damaged. I tried it again, and I got transferred and got disconnected. (It sounded like a miscommunication of sorts because I had told the operator on the phone what the problem was). Arcing from frayed underground wiring can melt plastic service lines and degrade metal and iron pipes. So, those phone calls never went through. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere. I normally call in when I have a claim and then they ask me what's going on and see what its covered under. Then, on top of the inconvenience, youve got a hefty bill to front. If he would of check for a leak and found one this would not of happened. If you have steel pipes, get the insurance those pipes will eventually rust. Essentially, they act as invisible veins that help your homes heart beat. by dukeblue219 Wed Jun 10, 2020 7:35 pm, Post Theyre really prompt with the people that they do use for HomeServe. Sometimes, even the weight of excavation equipment or moving trucks parked on the grass is enough to damage or destroy these lines. Polybutylene pipes have been used for water feeding mainlines to homes and they have a huge failure rate by 20 to 30 years. Would you just snake it? He was like, No. The Bogleheads Wiki: a collaborative work of the Bogleheads community, Local Chapters and Bogleheads Community. The cost to excavate, repair the sewer line and backfill may be covered. To be a Virginian either by Birth, Marriage, Adoption, or even on ones Mothers side, is an Introduction to any State in the Union, a Passport to any Country, and a Benediction from Above.Anonymous. The company also offers combination plans if you want to mix and match. It's about 5 years and the fix has held up. I would never not take additional coverage for the outside of my house. Ian Bloom, CFP, RLP, is a certified financial planner and a member of the Financial Review Council at Policygenius. Even though it isnt required, this coverage can be beneficial if you ever need to use it. He said he would reschedule the repair for the following week. The information provided on this site has been developed by Policygenius for general informational and educational purposes. I was like, Youre gonna cut my wall? Service Line Coverage Extend Your Homes Protection, excavations damaged 439,000 service lines in 2017. He did high quality, professional work and was courteous and pleasant. HomeServe offers a variety of plans that cover electrical wiring, gas fuel lines, plumbing, cooling and heating systems. They were able to do everything that I called them for. And while you might not think about your homes underground utility lines like water lines, sewer pipes and power lines they play a major role in your day-to-day life. Keep in mind that service line coverage endorsement isnt the same across the board and will vary by your state and insurance company. So, that's the positive thing. Fools think their own way is right, but the wise listen to others. Securing their services is the best thing a homeowner can do! While not all plans are available everywhere, its systems coverage is thorough and affordable. by NCPE Wed Jun 10, 2020 1:26 pm, Post Service lines can cost anywhere from $1,000 to over $4,000 to repair or replace, so you may want to consider this endorsement if you're worried about paying out of pocket for the entire repair bill yourself. But then he returned to my house 20 minutes later to tell me that he got a phone call from HomeServe that we actually were covered. Email us ateditorial@policygenius.com. Just as your favorite team kicks the game-winning field goal, your TV screen goes black. In fact, its often less than a meal out with the family each time your policy is up for renewal. by dukeblue219 Wed Jun 10, 2020 6:51 pm, Post by Orbuculum Nongata Thu Jun 11, 2020 7:04 am, Post As the homeowner, youre on the hook financially for subterranean lines or pipes running through your property. Youd need to hire a professional to dig up and replace the pipe. Anyways went to the hardware store spent about $10 for PVC repair parts. With our added service line insurance, youll be covered for more issues and problems than a standard homeowners policy will afford. The sink was clogged, so they sent the guy out here. It does look like we do have leaks in our toilet. Ben, the technician, arrived on time on November 18th and inspected the damage. As the homeowner, youre financially responsible for any utility lines that run through your property. Previously, he was a financial advisor at MetLife and MassMutual. Landscaping accidents like these frequently crush sewer lines. Post He knew what he was doing. Just like the phone calls are recorded, every time you guys call me, you tell me the phone call is recorded. This is our third home in the Midwest since 1996. Homeserve has been quick to respond to my emergencies supplying qualified technicians to rectify the situations. Coverage is very affordable with additional service line coverage cost starting from $20 annually. Ben called and asked to arrive earlier than scheduled (around 2pm), and I said I was ready. I had been receiving offers to buy this service for several years and finally in January of 2021, I decided that it wasn't very much to pay if we, indeed, had a leak. by lthenderson Wed Jun 10, 2020 10:14 pm, Post I always threw the offers in the trash and we never had a problem. The guys that come out have been really helpful. How much homeowners insurance do you need? My home owners covered the line to the street. by CedarWaxWing Sun Dec 05, 2021 1:39 am, Post At American Family Insurance, service line coverage helps pay for the cost to repair or replace damaged service lines up to $10,000 per incident once a $500 deductible is met. Smart insurance coverage for your modern lifestyle. I've been using HomeServe for a couple of years. I was told that they didn't go inside to check, but they would check outside and let me know if they would see anything. Small holes develop and fluid can leak out, further eroding the pipe. By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Took the order quickly and came out to repair it the next day, the job was done quickly and professional. Learn more about oureditorial review process. No matter where you live, your home can experience sump pump failure or water backup. So if your sewer line is damaged, the repair will typically cost between $1,000 and $4,000, with the average cost sitting at $2,556. Some insurance companies that offer service line coverage include: Travelers, Erie, and Mercury. We noticed it when our water bill went up significantly in April before we turned the sprinklers on. So, then I went on my email and I found the number and I got through. The second person came out and said, I cant jet it because he broke a piece. I watched the video on how to replace them. You can add service line coverage to your policy for an additional fee to get this type of protection. He said, I cant run the snake. Equipment breakdown coverage provides protection to your home appliances and equipment. However, after 17 minutes on the phone with her, my appointment with the technician was completed. In the event of an accident to one of these lines, this type of coverage will usually cover the cost of repairing and replacing the line as well as landscaping and aesthetic costs post-repair. (877) 636-1087[emailprotected]We are here 24 hours a day, 7 days a week. Weve got answers to some of the more common questions about your service line coverage. Please review your policy or call your agent for information regarding coverage that may be available to you. Depending on your provider, you may also have to pay a deductible before insurance kicks in usually $500. Most landscapers know how to fix pvc pipes you don't need a plumber. [1]. Considering the high costs related to these types of repairs, its a smart choice to add this coverage to your policy. Cant snake it either. I said, Would you jet it? Nope. Imagine: Its Super Bowl Sunday, and there are two minutes left in the game. You can cancel within 30 days for a full refund, and covered repairs have a one-year guarantee. I was seconds away from canceling everything with Homeserve because of what they did to me. Submit a claim by calling HomeServes 24-hour hotline. Utility and service lines that run underneath your property typically arent covered by standard homeowners insurance. Boy and I thrilled that we enrolled in your program. Were here 24/7. They had to dig a 4 deep trench 35long to replace the pipe. Some coverages may not be available in your state. The plumber had come to look at it and give them an idea of the problem. Depends on individual circumstances. Enjoy reading our tips and recommendations. While homeowners insurance might covercertain types of water damagethat occur inside of your home or toother structureson your property, it usually doesnt extend to the water line underneath your home. We had a leak on our 1 inch pvc supply line caused from digging new landscaping. by MarkBarb Thu Jun 11, 2020 8:41 am, Post What insurance companies offer service line coverage? by adamthesmythe Fri Jun 12, 2020 7:20 pm, Post When the tech looked at the meter, it wasn't continuously running. All statements regarding insurance coverage are general descriptions. Is long-term disability insurance worth it? Questions about this page? The website is great. The water supply line between the city water main and home bursts due to freezing. I looked at the policies and my homeowners covers my residence, but no my one rental property which is still my responsibility. Well then pull up the recording of when I took out the policy because I'm telling you that I'm covered. She said, No ma'am. hire a professional to dig up and replace the pipe, how to inspect your foundation for signs of damage, water is taking a longer time to drain after a bath, service line requires heavy earthmoving equipment, Choose from easy options to pay your bill, View your Proof of Insurance card from anywhere. HomeServe has been worthwhile for us. The guy showed up at 7:15 because we were the last one on the route, and there was traffic. So, I would recommend HomeServe because they did everything to fix the issue. The exact cost of service line coverage depends on the specific insurance company, so be sure to check with your insurance company to see if they offer service line coverage, or reach out to an insurance expert at Policygenius who can help you reshop and find a company that offers this invaluable coverage endorsement. Thanks everyone. Kara McGinley is a senior editor and licensed home insurance expert at Policygenius, where she writes about homeowners and renters insurance. We do our best to ensure that this information is up-to-date and accurate. Copyright 2022 Consumers Unified LLC. If a home is in anearthquake zone, for example, the shifting earth might damage the lines underground. If an accident does happen, service line coverage will help you throughout the repair process. It cost me $3.50 in parts and my own labor. So, they had to do everything by hand. by atikovi Thu Jun 11, 2020 6:36 am, Post He arrived, turned off the electricity to my house for about 40 minutes while he made his repairs, fixed the weather head and the guiline on the roof, and was done. this is something that a lot of cities have added to the homeowners cost without knowledge to the public. But doing so may save you from having to foot the bill if a service or utility line is damaged on your property. When I did the claim, I got disconnected several times with the HomeServe number I called. If these lines face any damage, its often up to you to pay for the fix in both your valuable time and money. Translators available. This low monthly cost compared to how much protection this add-on provides makes service line coverage a worthy investment and one youll be grateful for in the event of a burst water pipe or cable line eaten by rodents. Somebody called me from HomeServe and checked and made sure the fourth guy did it right. When you file a claim, you may have to pay a deductible, but itll depend on the insurance company Travelers, for example, doesnt require a deductible for a service line claim. It works with licensed and insured technicians and offers a one-year guarantee on all repairs. After paying the deductible, youll be covered up to the policy limit. YourHippo Claims Conciergein collaboration with our partner network of contractors and repair-people will take care of the details and have your home back to normal quickly. The Home Serve attendant on the phone was strange to talk to. Within the hour the plumber had the problem solved. I would have put that $2000.00 on a new system instead of throwing $2000.00 away. Typically, service line coverage runs between $20 and $50 in additional insurance premiums per year. I called because my AC was not working. He tells my husband (I was working) that he will put R-22 in the system. Connect with your American Family Insurance agent today and theyll help you add this affordable, comprehensive and simple coverage to your policy. This type of coverage helps take care of some of the financial costs that result from the line breakage, including: What is and isnt covered in service line coverage varies by provider. When the contractor did call that day, their system was down. They had to refund us the money. My sewer line is more than I paid them a year. They just say "Okay," and find someone else. by TLC1957 Thu Jun 11, 2020 6:28 am, Post Paying your bill online is quick, easy and secure. The small cost of service line insurance can really pay off if you ever need to repair or replace a damaged line. I love the service so far. by OldBallCoach Thu Jun 11, 2020 6:17 am, Post Not only did your Super Bowl party just get awkward, but now youre also financially responsible for fixing the damage to the cable lines., Though service lines like cable, water, sewer, electric and gas are out of sight, they definitely shouldn't be out of mind. It's our first experience using HomeServe and it couldn't have gone better. The company the insurance company hired to make the repair, I assume low bid, did the following. Find out more by discussing options with an American Family Insurance Agent near you. I have different experiences from the other posters, but my conclusion is the same. You could use it for 30 days. They made sure everything was right. That means if one of your homes service lines are damaged be it cable lines or water piping or power lines youd be stuck footing the bill yourself for repairs if you only have a standard homeowners insurance policy. So, it didn't really show that it had a leak, but it's kind of an intermittent thing. A link has directed you to this review. Best homeowners insurance companies of 2022. Learn more about what's covered and reach out to an agent today.
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