Did you know that all homeowners are responsible for the repair or replacement to the service lines on their property (such as water, sewer, and gas lines) and not the service providers?

Damage to these lines often occurs unexpectedly – for instance a water pipe freezing, an electrical surge from a lightning strike, or tree roots invading and interrupting a cable line.

Service line coverage is a type of insurance that protects homeowners in the event that pipes or wiring coming into their properties are damaged. This coverage can help cover the costs of repairing the damaged service lines that homeowners are ultimately responsible for.

Many homeowners find out too late that service line coverage is not something that is automatically included in a standard insurance policy and is something that needs to be specifically purchased by endorsement instead.

What are some possible covered causes of loss?

• Corrosion
• Ground freeze
• Root invasion
• Lightning strike
• Landscaping accidents
• Rodent damage

What kinds of Service Lines are covered?

Depending on the specific coverage plan and the carrier, homeowners may have coverage for the following types of service lines:

• Sewer
• Water
• Electrical Wiring
• Power Lines
• Gas
• Communication or Data-Transmission Wiring

Service Line Coverage provides coverage for the following:

• Additional living expenses resulting from loss of use of your property
• Excavation costs necessary to repair or replace the damaged service line.
• Expediting expense for temporary repairs and permanent replacements.
• Damage to outdoor property such as trees, shrubs, plants, lawns, walkways or a driveway that is damaged as a result of a covered service line failure.

You can’t always stop damage from impacting your service lines, but you can take the necessary steps to prepare. By adding service line coverage to your homeowners’ policy, you can make sure you’re adequately protected and finally bridge the service line coverage gap for good.

We would love to answer any questions that you might have. Contact Kovalev Insurance today and request a complimentary consultation to ensure your property is properly protected.