In most cases, home warranties and homeowner’s insurance will not cover sewer line clogs. Instead, standard policies only cover damage caused to your home by bad sewer lines. For instance, your insurer will probably cover flooding damage caused by a sewer line clog, but they won’t pay for the sewer line repair.
There are, however, a few unique programs that cover sewer line damage. The best known in Phoenix is the “Sewer and Septic Line Repair” offered by Service Line Warranties of America (SLWA).
You may remember the City of Phoenix partnered with SLWA to encourage citizens to purchase sewer and water line warranties. According to the city’s stats, this partnership has already saved homeowners approximately $2 million.
SLWA remains active in the Phoenix area and has accreditation from the Better Business Bureau. If you have more questions about SLWA, we’d recommend visiting their official website at slwofa.com. You can also click on this link to read Phoenix’s official stance on SLWA.
If you’re shopping around for an insurance provider, please remember that homeowner’s insurance is concerned with external events (e.g., natural disasters and accidents), but warranties help with wear-and-tear issues. Even though Phoenix doesn’t force residents to buy these policies, you’ll have difficulty getting a mortgage loan without homeowner’s insurance.
Of course, it’s always best to speak with a customer service rep if you have specific insurance questions.
