We've all seen it - the lawn and landscaping torn up by large equipment. Some people are choosing to put in a nice sprinkler system (not plausible with the rains we've had this year), but I would guess that most are repairing a clogged sewer line. This is the pip that runs from your house to the mainline. While the lucky ones are have done this on the advice of a plumber, the majority are discovering the sewer line is blocked and are dealing with the situation.

There are a good number of things that can crack or clog your pipes, and tree roots are a common culprit. Unfortunately, when a tree root causes a problem with your sewer line, it results in some very unpleasant damage inside your home (a toilet sending the water the wrong way can be up there on people's fears list along with spiders, snakes and clowns). Remedying this unfortunate situation can be an unpleasant prospect and depending on the situation, might not be covered under your standard homeowners policy.

Let's consider the costs of this rather messy project: 1) cleaning up the damage in your house and to your house caused by the damaged pipes and 2) fixing the damaged pipes that caused the problem in the first place.

Luckily, most home insurance policies can be modified to cover the resulting water damage and usually it is not prohibitively expensive. Most of the expense to repair the pipes, however, is not covered by your policy. Cost of the addition can vary, but can be as little as just a few dollars. We are more than happy to get the cost of adding that to your policy from your insurance company.

Depending on the nature (no pun intended) of the calamity and the damage to your home we can discuss what would be covered by your policy, and what would have to come out of your pocket. If you have water in places where water was never meant to be, give us a call and we can work together to dry up the mess and repair the pipes.