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Is Sewer Line Repair Covered By A Homeowner Insurance?



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Having an unforeseen issue with your sewer line can be both costly and worrisome for homeowners. No one wants to experience a repulsive odor coupled with mold and slow draining on their premises. However, when the home’s plumbing system malfunctions, the issues that erupt are pretty disgusting.

If you suspect that the sewer requires a repair, you may wonder whether homeowner’s insurance covers any related plumbing costs.

Does Your Homeowner’s Insurance Cover the Sewer Line?

A homeowners insurance covers losses to a house which could include interior damage, exterior damage, and injury that arises while someone is present on the property,

The average homeowner’s insurance premium was about 1,192 dollars in 2016. However, just because the premiums are skyrocketing, that doesn’t mean the insurance will cover you for all types of damage. Insurance companies do not cater to loss caused due to wear and tear of plumbing systems. Therefore, insurance will typically not provide coverage for sewer line damage.

Insurers only honor insurance claims if the damage to the sewer was caused by another party, or it was an ‘act of God.’ However, since physical harm to the plumbing is considered preventable because it is inevitable, insurers will not honor claims. It makes absolutely no difference whether the sewer requires partial or complete repair.

Some insurance companies offer specific coverage options that can be added to a home insurance policy for a nominal cost. The Insurance Information Institute recommends homeowners and businesses to subscribe to supplemental plans so that they can tackle the threat of sewer backups. These supplemental plans can help individuals take advantage of their insurance when they need it the most.

For the best guidance, you should contact a representative from your insurance company and redirect your queries to them.

How Much Will A Sewer Line Repair Cost You?

Cast iron is more brittle compared to other alternatives like ductile iron, which is commonly available in the market. Therefore, after aging, this brittle material tends to crack.

Most homes that were built in the 1980s incorporated ‘cast-iron’ sewer lines. About three to four decades have passed since this material was used for sewer installations, so problems with wear and tear have become common. Tree root intrusions, misaligned joints, and poorly installed sewer lines are a reality that you may need to face.

Once a sewer line issue escalates, you may come across a foul sewer odor, mold, water leaks, and slow draining. The entire fiasco can be described as a homeowner’s worst nightmare.

Usually, homeowners spend anywhere between $1,300 and $2,700 for sewer line repair. While the average cost that they incur is around $2,306, but if someone is especially unlucky, they may even end up paying up to about $6,500 for a sewer line repair.

Traditionally sewers were replaced after digging a trench to make the sewer line more accessible. However, more modern methods like trenchless sewer line repair are safer compared to more conventional means.

When Should A Homeowner File A Claim?

If you suspect sewer line damage was caused due to a third party or you, have purchased specific coverage for sewer backup, file a claim. 19.5 percent of home insurance losses were caused by property damage as a result of water damage and freezing in 2017.

Losses caused by natural disasters like earthquakes and tornadoes are typically not covered by home insurance. However, if you are facing sewer damage due to such occurrences and you have bought specific coverage to protect you financially, you can file a claim.

Don’t waste your time filing a claim if the damage was preventable. So if the pipes are in bad condition as a result of poor upkeep, you should stop expecting any compensation.

Protect Yourself from Sewer Line Damage

Homeowners must realize that they are responsible for the maintenance and repair of the main-line connection to the sewer lateral.

It’s better to invest some money in troubleshooting while you can before you are forced to file an insurance claim. Evading the plumbing problem when it is in its early stages makes no sense. So if you suspect an issue with the sewer, don’t wait for it to escalate. After all, you don’t want to be the one paying thousands of dollars to fix the situation.

Instead of having a reactive approach to your plumbing system, you should always maintain a more proactive approach.

One of the best ways of ascertaining the state of your cast iron sewer line is through a camera inspection. According to HomeAdvisor, a standard sewer camera inspection can cost anywhere between $227 and $800. This procedure will provide you with a visual check of the situation, and you will receive a detailed report.

Whatever you do, don’t be careless when it comes to your sewer. Pay attention to the telltale signs and identify issues before they blow out of proportion. Your strategy should include correcting illegal plumbing connections, periodically cutting tree roots, and replacing the old cast-iron sewer with another material before you are forced to do so.

Final Thoughts

Aging plumbing systems are problematic, and no homeowner wants to pay the substantial costs associated with sewer line repair.

You might be concerned about whether you can recover any costs through your insurance company. However, issues with cast-iron sewer lines are considered preventable. Therefore, you may not be eligible for an insurance claim.

Damage to your property caused by a third party or by an ‘act of God’ can be claimed. It is recommended to purchase supplemental policies that support you with sewer backup costs. But once the damage near completion, there is little you can do except paying the hefty bill.

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Ashley Rosa is a freelance writer and blogger. As writing is her passion that why she loves to write articles related to the latest trends in technology and sometimes on health-tech as well. She is crazy about chocolates. You can find her at twitter: @ashrosa2.

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How can Homeowners Select the Best Home Insurance Policies in Florida?



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One of the most significant and prolific investments made by the general masses is in their homes. Since it is one of the most meaningful investments made, it is only natural to be picky about them. It is only natural that you are skeptical about the best prices offered to you and are wary of agents.

Therefore, it is obvious that you want to be cautious about everything and do it right from the start. For example, you want to choose such an agent who has fulfilled the requirements for continuing education for an insurance license. Similarly, you want to prefer a solvent company enough to pay your claims should there be any untoward incident.

There are myriad factors that cross a homeowner’s mind, such as reliable customer service, etc. However, the essential questions most homeowners pose is which factors to consider while selecting the best insurance for your home? Therefore, here is a list of factors that can ease your pain of finding the right mix when it comes to home insurance.

Decide On the Amount of Coverage Required

Before beginning your search for the best insurance for homeowners, you should sort out and prioritize the type of coverage you need. The ordinary coverage offered by standard insurance companies covers the house and ancillary structure. The determination of the amount of coverage would depend on what it would cost you to rebuild your home all over again.

The premium contributions, the insurance deductible, and the need for extra insurance for valuable items are essential points of consideration. These points of considerations determine what sort of coverage amount would suffice and influence the type of policy you want to go for. You would also have to look at policy upgrades that cover catastrophic events such as earthquakes etc.

Compare Different Quotations and Rates

After your coverage needs are outlined, you would want to compare and seek more information on different quoted prices. Quotations by companies allow you the luxury of choosing the policy that best suits your needs and your pocket too. Comparing and analyzing different quotations is also evidence of the type of research you have undergone.

Generally, homeowners prefer to research extensively and find out various quotes. Matching and comparing these quotes gives you a bird’s eye view of how the market perceives your property. You can accordingly strategize and make your negotiations to get the best deal out of the market.

You must make sure that your account falls for the coverage sum and insurance deductible when comparing and matching quotes from different companies. Another important warning in this regard is that these quotes are only estimates. The prices may differ from the quotes if the insurance company decides to evaluate your house and determine a different coverage amount.

Find Out Home Insurance Discounts

Most companies offer uniform home insurance discounts. These discounts can range from savings for multiple policies with the same insurer to installing safety and security devices in your home. Beyond these, you will also spot multiple differences in the quantity and quality of the discounts available. By effectively matching the discounts your home is qualified to receive, you get the policy you want and benefit from the investments you make.

Check Out Feedbacks and Complaints

Whenever you choose a home insurance company, you must find out its perception in its customer base. If an organization can keep its customers happy, it is evidence of its quality of service and products. A home insurance company with a happy and satisfied customer base inspires confidence in your decision to opt for it.

To find out about customers’ satisfaction level, you can look at various online websites and authorities that survey many homeowners annually. Based on the surveys, you can also compare the scores and determine the company’s complaints from agencies like the NAIC website.

Find Out Financial Solvency

It is perhaps the most important consideration for a homeowner before selecting a policy. Typically, a homeowner expects to be compensated for the damages incurred on his home and chooses suitable insurance to that effect. The primary concern, therefore, is the ability to process the claim. If the insurance company has not been up to the mark in terms of its financial strength, it can safely be marked negatively. Homeowners must always partner up with companies with a robust financial ability and solvency to meet the homeowners’ claims.


Ultimately, the Florida market is quite diverse in terms of the home insurance provided here. This means that the homeowner must research well and evaluate his options before arriving at a particular decision. It also means that homeowners can choose from various choices and choose the policy that best caters to their needs and requirements.

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Health Insurance Plans: Individual vs. Family Plans



AYUSH Health Insurance

Health Insurance: It is an essential part of human nature to make plans for uncertainties in life; we save and invest money for future contingencies. We plan for our children’s education and try to build a corpus for them so that they can receive a hassle-free education. Individual and family health insurance plans are also an essential part of the overall planning to keep financial distress during health emergencies at bay. Personal health insurance in Ontario is also an essential part of the overall planning to keep financial distress during health emergencies.

Health insurance plans for family and self are highly recommended when the cost of healthcare and treatment is on the rise. You need to be well prepared on the financial front in case of any misfortunes so that you and your loved ones get the necessary healthcare. We witness on the news channels almost daily how due to lack of funds proper health care becomes an issue causing loss of lives.

Fundraising for treatment through the internet is another common phenomenon these days, where family members appeal to the general public to donate for the treatment of loved ones. There are several fundraising platforms online that allow you to post and share your requirements. You don’t want to be in such an uncomfortable position, do you? To avoid such situations, you should look for the best family health insurance plans and individual plans. You should research well before opting for a health insurance plan and decide whether you want to go for a family plan or an individual plan. Our experts have formulated an essential guide for you so that you can make your decision without any confusion.

The Basic Differences You Need to Know

Medical Insurance During COVID-19 What Should You Know

Medical Insurance During COVID-19 What Should You Know

Before we move forward towards delicate details, we need to know the basic differences between an individual health plan and a family floater plan. An individual plan will cover a single person, and sum insured will be available for the claim only when that particular person is suffering from a covered health condition.

On the other hand, health insurance plans for families are issued in the name of the family, with members sharing the total sum assured. This is also known as a family floater plan. For example, imagine a couple with two children decided to go for a family floater plan, and the total sum assured for them is Rs. 5 lakhs. In this case, all the four family members share the total sum assured of Rs. 5 lakhs. The total liability of the insurance company towards the family is 5 lakhs rupees, and the family cannot claim more from the company in case the medical expenses go beyond 5 lakh rupees.

Detailed Differences

We hope that we have given you a proper understanding of the basic difference between an individual and a family floater plan, now let us take you through the differences in detail:

1- Coverage

To give you an example, in a family of four a family floater plan will cover the primary insured member along with the spouse and two insured dependent children. You can also find some of the best family health insurance plans that provide coverage to extended family, including siblings, primary insured persons’ parents, and parents-in-law. On the other hand, an individual health insurance plan will only provide to a single person named in the insurance policy as the “insured”.

2- Sum Insured

In an Individual health insurance policy, the claim upon a policy is the right of the insured person only. They don’t have an option to share it with other members of the family. On the other hand, the sum insured in a floater plan is shared by all the family members. The claimed amount by any family member will be deducted from the total sum. Health insurance plans for family come with a simple sum deduction policy so that there is no confusion about who gets what? And what is left after a claim?

3- Premiums

In an individual plan, the premium is decided on the basis of the insured person’s age. On the other hand, the premium of a family floater plan decided to take into consideration the age of the senior-most family member. If you have a young family, you will find a family floater plan as an economical option. In the event that the senior-most member of the family is suffering from a health condition, it is always better to go for the individual policies.


An individual health policy provides substantial coverage because of an individual sum insured. On the other hand, the sum assured in a family floater plan is shared by all the family members. Individual plans will be very beneficial in the case of senior citizens.

On the other hand, health insurance plans for family plans are very economical because of the one-time premium for the entire family.


The disadvantage of family health insurance plans lies in the shared sum assured, it may not be enough for all the members, especially in times of Covid-19 when there are cases that the whole family is getting hospitalized. In family floater plans, always opt for a higher sum insured to ensure there is adequate coverage for the entire family.

Final Words

If you have a big family with senior family members, you should always go for individual plans to provide sufficient, assured sums for every family member. A big family with senior family members won’t find family floater plans much effective as the sum assured will not be sufficient for everyone. If you are a young couple along with two or more young children, then a family floater plan will be a more suitable option.

An individual health insurance plan will have an option of add-ons; you must make sure that you get the best out of it.

We hope to provide you with the best overview of both individual and family plans for your health insurance hunt. Do check out this article once more before you decide to buy your health insurance.

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All You Should Know About AYUSH Health Insurance



AYUSH Health Insurance

Ayurveda is an ancient healing method developed in India more than 5,000 years ago. This holistic treatment is a kaleidoscope of yoga, acupuncture, herbal medicine, therapies, and an organic diet. It is less expensive and also has a minimum of side-effects. That is why, in recent years, a paradigm swing from conventional medications to alternate treatments has observed. Therefore, to support and make it accessible to all the citizens, the IRDAI has directed all health insurance companies to offer AYUSH Health Insurance. Let’s understand all the essential things about AYUSH coverage.

What is AYUSH Health Insurance Cover?

AYUSH is Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatment. The drugs and therapy include different herbs and natural ingredients that are not harmful to the body, easy to absorb, and gives you sustainable health in the long run. In association with the Ministry of AYUSH and NABH (National Board for Hospitals), the government of India using it as an alternate method to enhance the quality of healthcare services in the country. Health insurance companies cover the expenses related to AYUSH treatment in health insurance. So, you can prefer AYUSH over allopathic medicine as per the doctor’s advice.

What are the Benefits of AYUSH Coverage?

Under AYUSH cover, medical expenses incurred on in-patient treatment get reimbursed. Take a look at some of its significant benefits:

  • Helpful to the government to bridge the gaps in healthcare facilities and make it available to all the citizens belong to different income groups.
  • It has a holistic approach that focuses on your complete health and wellbeing.
  • It is better for older adults because it has minimal side effects and improves the immune system.
  • Lifestyle diseases like Diabetes, Hypertension, Thyroid, etc. can also be treated well with the AYUSH.
  • It is cost-effective than other modern treatments.

What is not covered (exclusions) under AYUSH Treatment Cover?

Health insurance companies are providing AYUSH cover but with some exclusions. Check them below:

  • No coverage if hospitalization is less than 24 hours
  • Daycare procedures, OPD expenses, pre, and post hospitalization expenses are not covered
  • Treatment for prevention or rejuvenation that is not required medically
  • Hospitalization expenses for the diagnostic purpose only
  • Spas and massages for relaxation

Quick Facts about AYUSH Health Insurance Cover?

Here are some quick facts that you should know before opting for AYUSH coverage:

  • There is a clause of co-payment in the AYUSH cover. Under which you have to pay a minimum percentage of the claim amount from your pocket rest by your health insurance company.
  • Some health insurance companies keep a limit on the sum assured to cover the expenses for alternative treatments.
  • It covers only in-patient expenses no additional medical costs are covered
  • You can get AYUSH cover only when you opt for a basic health insurance plan. There is no separate plan that you can buy for alternate treatments.

Which Health Insurance Companies are Offering AYUSH Coverage?

Leading health insurance companies providing AYUSH treatment cover are:

  • Star Health Insurance – It provides coverage for alternate treatment under its Medi Classic Insurance Policy.
  • Max Bupa – Its Health Companion policy covers AYUSH treatment.
  • Religare Health Insurance – Care is its comprehensive health insurance product that offers coverage for non-allopathic treatment such as Ayurveda, Unani, Siddha, or Homeopathy, up to a defined limit.
  • HDFC ERGO Health – This health insurance company covers alternative treatment expenses under its Easy Health policy.

There is no doubt that ayurvedic treatment gives you long-lasting benefits. So, if you think that switching to alternate medication is helpful, then check the detailed plans of above health insurance companies, pick the AYUSH Health Insurance and give your self a chance to rejuvenate your overall wellbeing.

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What is NPS Scheme and benefits?




National Pension System (NPS) scheme is offered by the Government of India and is regulated by Pension Fund Regulatory and Development (PFRDA). It is specifically designed to facilitate the financial concerns of people after retirement. It was launched in January 2004 initially for government employees, however later in 2009, changes were made and the scheme was opened for every section. The scheme lets the people subscribed to it to invest in a pension account along while working. After retiring, the people subscribed to it can withdraw sections from the corpus and use the rest of the corpus for buying an annuity to receive a regular income even after being retired from the job they’ve worked on.

Any Indian citizen who is over the age of 18 years is eligible for this scheme requiring the person to comply with KYC (Know Your Customer) standards. NRIs can also avail of this scheme. However, if NRI is subjected to any change in citizenship status, the account hosted would be shut down. One cannot open more than accounts under this scheme. National Pension System (NPS) Scheme is regulated or administered by the Pension Fund Regulatory and Development Authority (PFRDA). People who have subscribed to the scheme have an option to exit the plan before retiring or choose superannuation. 

There are many benefits of signing up for this scheme that is discussed below-

  • Flexibility

The scheme provides the flexibility of choice by offering two options for investing, i.e., auto choice and active choice. An auto choice is a default option for the account holder(s). Under this option, fund investments are managed by an appointed manager as per the account holder’s age profile. On the other hand, the individual has an option to decide among the available asset classes in which to invest. They can also assign certain varying percentages of contributed funds to be invested in with a maximum cap of 50% Equities and also have an option to switch their manager under certain terms and conditions. 

  • Liquidity

National Pension System scheme allows people to invest systematically through either of the two accounts, i.e., Tier 1 account or Tier 2 account. As per the scheme, subscribers can invest through PRFDA appointed intermediaries like trustee banks, Central Recordkeeping Agency, NPS trust, Custodians, Points of Presence, and Annuity Service Providers.

  • Partial Withdrawal

National Pension System scheme provides an option of partial withdrawal. It offers an option to withdraw the invests partially thus allowing people to meet their financial demands and needs during emergencies under certain conditions. The person willing to withdraw partially should have invested for at least 10 years. If there is a need to avail partial withdrawal facility again, make sure there is a 5-year gap before the previous ones. 

  • Tax Benefits

One can easily avail tax benefits from the National Pension System scheme.

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