Sewer line insurnace??

[kp11364]

Hi all,

"Up North" I pay a small premium with my water usage bill that would cover any repair/replacement of the sewer line leaving the home and connecting to the main line in the street. Does TV have something similar, or is it already built into the water fees?

Thanks!

[retiredguy123]

It is not built in to the water fees and it is not available from The Villages. You can buy it from a third party, but, in my opinion, it is a waste of money.

[CarlR33]

I am assuming your up North water or local utility then covers your sewer line connection from the house to the street? I think in most communities you would be responsible for the line from your house up to the street. I was just telling the story last night of an up North neighbor that had to totally dig up their sewer line to the street because the 10 or so years after the home was built the line had settled and due to a dip in the line had to be dug up and reinstalled correctly. It was rare this happens and a mess that I am sure was costly. You would have to first determine what TV community you’re going to live in (what county) to be able to ask that water utility (not the TV) if covered which I highly doubt.

[MarshBendLover]

Don't think you will have any issues with newer homes. Worse case may be a blockage below the toilet or at the street connection which would be solved by you with a simple snake. Broken sewer lines come from tree roots moving the soil and causing pipes to crack which allows for roots from bushes to clog pipe.

I wouldn't think you would have any trees on or near the sewer line unless you bought a preowned home and someone planted one my mistake. No builder/developer/plumper would put a tree or large bush on or near a sewer line or septic fields. It's always the homeowner that doesn't know and plants something in the wrong place.

[gorillarick]

Yeah, if I had the old clay (like brick) or concrete sewer line to the street, I'd buy insurance. This was 50+ years ago. They'd get crushed or have stuff grow into the slip joints and crack them.
Modern plastic is much better, not perfect, but . . .

[rjm1cc]

I would skip. Remember do not buy insurance for expenses you can cover.

[retiredguy123]

I would skip. Remember do not buy insurance for expenses you can cover.
I agree. If your sewer line breaks, call a plumber. Plastic pipe is easy to repair.

[MandoMan]

Hi all,

"Up North" I pay a small premium with my water usage bill that would cover any repair/replacement of the sewer line leaving the home and connecting to the main line in the street. Does TV have something similar, or is it already built into the water fees?

Thanks!

Last December my dad in Denver had problems with a big leak between the house and the street. The pipes were clay and had cracked under the lawn. They weren’t removed but relined. This cost around $20,000. Yes. Twenty thousand. Insurance didn’t cover it.