is exterior water service line coverage worth it

2021/05/21

Sometimes, even the weight of excavation equipment or moving trucks parked on the grass is enough to damage or destroy these lines. Took the order quickly and came out to repair it the next day, the job was done quickly and professional. The company the insurance company hired to make the repair, I assume low bid, did the following. We had a leak on our 1 inch pvc supply line caused from digging new landscaping. We are on a fixed income and that is why I took this plan to avoid all this. So, it worked out. Service line coverage is arider that can be addedto your policy to ensure that these lines are covered. Service Line Coverage Extend Your Homes Protection, excavations damaged 439,000 service lines in 2017. Never had an issues, but the coverage was there -- maybe yours does too???

That means if one of your homes service lines are damaged be it cable lines or water piping or power lines youd be stuck footing the bill yourself for repairs if you only have a standard homeowners insurance policy. Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Service line coverage is a homeowners insurance endorsement that reimburses you in the event that a utility line is damaged. No, youre not required to add service line coverage to your homeowners policy. They made sure everything was right. What insurance companies offer service line coverage? But thats understandable because maybe that service isnt open at the time. It works with licensed and insured technicians and offers a one-year guarantee on all repairs. If you have no trees and no earthquakes and are handy, then I suggest you don't pay for this insurance. I have annual tune-ups and the boiler was broken a couple of times and every time, HomeServe has been very quick in responding and HomeServe plans cover the core systems in your home.

I have a sewer system and I had an issue over the weekend. by StevieG72 Sun Dec 05, 2021 9:34 pm, Powered by phpBB Forum Software phpBB Limited, Time: 0.291s | Peak Memory Usage: 9.77 MiB | GZIP: Off, Questions on how we spend our money and our time - consumer goods and services, home and vehicle, leisure and recreational activities. I had a problem the latest time that I did a claim to HomeServe. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere. I had been receiving offers to buy this service for several years and finally in January of 2021, I decided that it wasn't very much to pay if we, indeed, had a leak. Want to learn more or decide if this coverage is right for you? But doing so may save you from having to foot the bill if a service or utility line is damaged on your property. He said he would reschedule the repair for the following week. I repaired my water line from the main line to my house last year myself. It was off for over 24 hours while trying to get Home Serve Service. The Home Serve attendant on the phone was strange to talk to. The small cost of service line insurance can really pay off if you ever need to repair or replace a damaged line. It only covers natural failures or "normal wear". HomeServe has been working out well. Submit a claim by calling HomeServes 24-hour hotline. The sink was clogged, so they sent the guy out here. It looked like an oil gusher in the front yard. He said, I cant run the snake.

And for a small monthly payment or sometimes, no monthly payment depending on the provider you get the peace of mind and protection you need in the event an accident occurs. A small tree fell on the power line coming into my house.

They did tell me that they contacted somebody in California or in my area, and then they said they would come the same day between 3:00 and 7:00. While homeowners insurance provides some amount of coverage for water damage caused by household plumbing and systems, it typically does not cover damage to service lines running underneath your property. Total costs vary by plan and by location around the country, so you will need to specify your ZIP code to get the most accurate price. Anyways went to the hardware store spent about $10 for PVC repair parts. And for those with newer insurance providers like Hippo its a no brainer. I've never had an issue. by Doom&Gloom Wed Jun 10, 2020 6:48 pm, Post

555 S. Mangum St., 6th Fl Durham, NC 27701, Yes, we have to include some legalese down here. It's our first experience using HomeServe and it couldn't have gone better. My husband is 75 and I'm 72. He did high quality, professional work and was courteous and pleasant. I was fine with how he explained it, and the solution for it, too.

When we were on a municipal water system years ago we got the yearly solicitations you describe, but our house was about 10 years old and the water line was black polyethylene pipe (much more resistant to failure than the white PVC pipe) and it was only about 30 feet from the meter to the cut off valve inside the basement. HomeServe has a one-year workmanship guarantee on all covered repairs, except for surge plan repairs, which include a 90-day warranty. The information provided on this site has been developed by Policygenius for general informational and educational purposes. The guys that come out have been really helpful. Then I tried the other number thats on the back, and I got a recording, I got transferred, and then I got disconnected. It's about 5 years and the fix has held up. I have had water pipes fail due to construction equipment digging too aggressively but that isn't covered by the insurance policy I receive. I said, Let me tell you something. Keep in mind that service line coverage endorsement isnt the same across the board and will vary by your state and insurance company. Is long-term disability insurance worth it? Weve got answers to some of the more common questions about your service line coverage. Learn more about what's covered and reach out to an agent today.

As the homeowner, youre financially responsible for any utility lines that run through your property. Without this added coverage, you could be looking at having to pay thousands out-of-pocket. Homeowners are financially responsible for the service lines under their homes. Or, if construction is going on in your neighborhood, keep in mind thatexcavations damaged 439,000 service lines in 2017. The plumber had come to look at it and give them an idea of the problem. We requested a quote for a home in Tulsa, Oklahoma, and got the following pricing information: *Prices quoted for Tulsa, Oklahoma. As a journalist and as an insurance expert, her work and insights have been featured in Kiplinger, Lifehacker, MSN, WRAL.com, and elsewhere. The cost to excavate and replace the underground power line may be covered. Some coverages may not be available in your state. Coverage is very affordable with additional service line coverage cost starting from $20 annually.

Getting systems serviced by HomeServe is a straightforward process, with representatives available 24/7 to take your call and dispatch a local, licensed technician to your home to make the needed repairs. Luckily, some insurance companies offer a service line coverage add-on, or endorsement, that you can add onto your homeowners policy for a small additional cost to protect different utility lines that connect to your home. How big is it? Oh, its gonna be a small cut. He proceeded to cut the wall all the way down. Small tendrils of roots can infiltrate tiny crevices in pipes can crack them open over time as the roots continue to grow. Policygenius Inc. (DBA Policygenius Insurance Services in California) (Policygenius), a Delaware corporation with its principal place of business in New York, New York, is a licensed independent insurance broker. My sewer line is more than I paid them a year. It is very important to do your own analysis before making any investment based on your own personal circumstances and consult with your own investment, financial, tax and legal advisers. The Bogleheads Wiki: a collaborative work of the Bogleheads community, Local Chapters and Bogleheads Community.

I never bought water line insurance and never had to repair the water line. The numbers that are on the paper are worthless.

Check out our motivational articles designed to help guide fearless dreamers like you. You're not covered. So I had to pay the plumber $350. I called HomeServe back. Roots clogged it up an cause a crack. Would you just snake it? He was like, No. The guy showed up at 7:15 because we were the last one on the route, and there was traffic. We signed up for the water heater program and I got charged like $4 a month. I would get a question from her, answer her, and had no acknowledgement that she had actually heard me.

I always threw the offers in the trash and we never had a problem. Landscaping accidents like these frequently crush sewer lines. His name was Richard. To combine coverage of the plumbing, electrical and heating and cooling plans, HomeServe created combination plans. YourHippo Claims Conciergein collaboration with our partner network of contractors and repair-people will take care of the details and have your home back to normal quickly.

It took four people before the problem got fixed. And on top of that, imagine if the repairs to the line make your house uninhabitable, and youre forced to spend time in a hotel during the work. He said he was gonna cut my cabinet. The piece wasnt in. Then, the third guy came out. HomeServes services have been great. Everything you need to know about insurance basics, like coverage types, limits, cost and more. by livesoft Thu Jun 11, 2020 6:22 am, Post Another great benefit to this coverage? The people that come are real convenient for me because if I work, theyll try to come before work. If its a Sunday or it's later in the day, sometimes they might not call till the next morning. I'm out almost $2000.00 and it's 90 degrees in my house. They sent a plumber to my house and he said, You don't have an issue inside, you have an issue outside. I've been using HomeServe for a couple of years.

After paying the deductible, youll be covered up to the policy limit. Once they assign it to one of the contractors, we would typically get a call, email or text from whoever that they've been assigned our job, and when they're expected to arrive. by OldBallCoach Thu Jun 11, 2020 6:17 am, Post

this is something that a lot of cities have added to the homeowners cost without knowledge to the public. Copyright 2022 Consumers Unified LLC. How much homeowners insurance do you need? Ian Bloom, CFP, RLP, is a certified financial planner and a member of the Financial Review Council at Policygenius. Hippo Home Care can help. A lot goes on behind the scenes to keep your home working and connected to the outside world. These statements do not add or modify any coverage under your insurance policy. He started running the snake. In our case, it's offered at $4.49/month. I might just have a little copay. When the contractor did call that day, their system was down. I said it was impossible. by MarkBarb Thu Jun 11, 2020 8:41 am, Post I've had an issue where my heater wasn't working and they were here right away to get it started. Just like the phone calls are recorded, every time you guys call me, you tell me the phone call is recorded. Coverage is provided for underground piping or wiring that provides the following services to your premises: electrical power, heating, natural gas, waste disposal, compressed air, water, steam, internet access, telecommunications services, wide area networks or data transmission. much more expensive than just to the water stop in the yard as most are out in the street under the pavement. by twh Sun Dec 05, 2021 1:47 am, Post The exact cost of service line coverage depends on the specific insurance company, so be sure to check with your insurance company to see if they offer service line coverage, or reach out to an insurance expert at Policygenius who can help you reshop and find a company that offers this invaluable coverage endorsement. He showed my wife the damaged part as my wife asked him what was wrong with AC. When he came the next day, he did a wonderful job and we were able to get our water back on. If these lines face any damage, its often up to you to pay for the fix in both your valuable time and money. All Rights Reserved. Somebody called me from HomeServe and checked and made sure the fourth guy did it right. I just call a number and tell HomeServe our problem, and they dispatch someone out to resolve it.

If your home becomes uninhabitable due to a service line failure, well help to cover the cost of a hotel stay while you wait to have the damages cleaned up and repairs finished. However, after 17 minutes on the phone with her, my appointment with the technician was completed. So, they had to do everything by hand. Service line coverage is already rolled into the standard policy. I've called twice to talk to a supervisor and no one calls be back. Learn how easy it is to save on your insurance by bundling your policies, like home and auto! When he was done I got a bill for $1,919.25 and it lasted 30 minutes. Water line problems: Four hour ditch witch rental for less than $100 +100 feet of black plastic pipe for less than $100 installed inside 4 inch sewer pipe for less than $100 equals done. Best homeowners insurance companies of 2022. For more information about reviews on ConsumerAffairs.com please visit our FAQ. Some common ways that your service lines may get damaged include: And these accidents will cost you even if youre not at fault. Thank you, you have successfully subscribed to our newsletter! I understand he cant spend all day waiting for each toilet. The pipes are now almost 70 years old so at some point they will fail. by OldBallCoach Sat Jun 13, 2020 2:24 pm, Post (877) 636-1087[emailprotected]We are here 24 hours a day, 7 days a week. But if you have the right coverage, you can mitigate these issues. by livesoft Wed Jun 10, 2020 2:44 pm, Post How do I know I can trust these reviews about HomeServe? The rep said, No, you opted out of it. I said, No, I would never opt out of anything. I looked at the policies and my homeowners covers my residence, but no my one rental property which is still my responsibility. Polybutylene pipes have been used for water feeding mainlines to homes and they have a huge failure rate by 20 to 30 years. Walk through the home-buying process with this step-by-step guide. Thanks everyone.

Utility companies will very rarely take the blame, it is usually up to the customer to front the bill. by Teague Wed Jun 10, 2020 7:24 pm, Post Service line coverage, on the other hand, isnt.

Securing their services is the best thing a homeowner can do! He had insurance on the water line which he had been paying every month for 30 yearS via his water bill. Then they get ahold of whoever their people in the area are that might cover that type of service. They make sure youre gonna be there. What doesnt service line coverage cover? While not all plans are available everywhere, its systems coverage is thorough and affordable. In fact, its often less than a meal out with the family each time your policy is up for renewal. He looked at the outside unit ade decided I could have a R-22 leak however he never went in the attic to confirm there was a leak. (It sounded like a miscommunication of sorts because I had told the operator on the phone what the problem was).

He was very good. It's real easy to use. Standard homeowners insurance typically wont cover broken utility lines but you can add a service line coverage endorsement to your policy for this type of protection. Well then pull up the recording of when I took out the policy because I'm telling you that I'm covered. She said, No ma'am. By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs.

However, there are a few damages that are typically not covered. Someone recently came out for the plumbing thing. The repair man (my wife didnt get his name) was very nice and friendly. Ill continue to take my chances on normal wear and tear water line breakage.

He did not say how much this will cost. It turns out, they contacted me that night to schedule between 3pm and 5pm the following day. by Mr. Rumples Wed Jun 10, 2020 8:51 pm, Post He said, if thats the case, its most likely something with the toilet leaking periodically. Yes, we receive them in my section of Maryland. When a service interruption happens, repairs can get expensive in a hurry. We noticed it when our water bill went up significantly in April before we turned the sprinklers on. (855) 999-9746[emailprotected]Contact us to file a claim. If he would of check for a leak and found one this would not of happened. About 3 years ago we had a problem with a broken pipe in our front yard. Its location on this page may change next time you visit. However, it doesnt have to be., You can secure every part of your home by adding service line coverage to yourhome insurance policy, which will protect you against the financial burden of fixing utility lines under your home even if it cant rewind time so you can catch the last two minutes of the big game.. If a home is in anearthquake zone, for example, the shifting earth might damage the lines underground. I've always tossed those advertisements into the trash and I've never had a water pipe fail that would have been covered.

These include: HomeServe plans start at $7.99 per month. They told me that I was covered. Learn more about oureditorial review process. It would have been nice if he could have isolated it himself, but he explained how to put dye in it and then check it later, to see if the water with the dye flowed into the toilet bowl. Enjoy reading our tips and recommendations. by CedarWaxWing Sun Dec 05, 2021 1:39 am, Post Weve always disregarded these solicitations as many of you have but when it came in the mail the other day I thought it was a great consumer question for the boglehead community. I called again and a different technician came.

I have it for everything else. Here are some examples of damage thats typically covered by service line coverage: Rust, corrosion, decay, and deterioration, Weight of equipment, vehicles, animals or people. That means if your water pipes crack or your power line is severed, its your responsibility to fix it. Theyre really prompt with the people that they do use for HomeServe. When you file a claim, you may have to pay a deductible, but itll depend on the insurance company Travelers, for example, doesnt require a deductible for a service line claim. Most landscapers know how to fix pvc pipes you don't need a plumber. A link has directed you to this review. [1]. Youd need to hire a professional to dig up and replace the pipe.

by bdaniel58 Wed Jun 10, 2020 8:15 pm, Post As the homeowner, youre on the hook financially for subterranean lines or pipes running through your property. Then, on top of the inconvenience, youve got a hefty bill to front. It paid off for me due to having a tree planted by the city 10 years ago right on top of old sewer line. Do you receive this same insurance coverage "opportunity" where you live and, if so, do you purchase it? Companies displayed may pay us to be Authorized or when you click a link, call a number or fill a form on our site. They are always knowledgeable and polite. He also asked me to remove the remaining branches from the wire before he returned. So, that's the positive thing. Paying about $10/month. by IMO Thu Jun 11, 2020 12:35 am, Post

Youre not covered. I said that was impossible. I use HomeServe when I need them. Imagine: Its Super Bowl Sunday, and there are two minutes left in the game. Nearby tree roots may be attracted to an active leak in your sewer line. Equipment breakdown coverage provides protection to your home appliances and equipment.

So, it didn't really show that it had a leak, but it's kind of an intermittent thing. Though it isnt common, accidents do happen even underground. It cost me $3.50 in parts and my own labor. Our content is intended to be used for general information purposes only. Learn more from American Family Insurance. So far, over the years, it has been anything from great to, we specifically requested some don't come back out.

Managing Editor & Licensed Home Insurance Expert. She was silent for long periods of time making me wonder if she was still on the line. I don't get these for water pipes, but I get the for the gas lines in our house from the gas company. Service line coverage protects you from having to pay for damage to your underground utility lines. And depending on how long the pipe is, you could be looking at thousands of dollars out of pocket for repairs. Policygenius content follows strict guidelines for editorial accuracy and integrity. If anything happens to your home, including the service lines, Hippo can help navigate the fix. I didn't have to pay for the service call. Total home wellness and protection is crucial. they follow through well.

hire a professional to dig up and replace the pipe, how to inspect your foundation for signs of damage, water is taking a longer time to drain after a bath, service line requires heavy earthmoving equipment, Choose from easy options to pay your bill, View your Proof of Insurance card from anywhere. Arcing from frayed underground wiring can melt plastic service lines and degrade metal and iron pipes. by adamthesmythe Fri Jun 12, 2020 7:20 pm, Post The 4 inch sewer pipe is to protect the black plastic pipe from rocks in the soil which was causing my leak. Discover all the ways you can save on your insurance. by John88 Fri Jun 12, 2020 6:26 pm, Post It has been easy. When the tech looked at the meter, it wasn't continuously running. HomeServe sent a technician and he replace the part and everything was fine for 3 days. After youve paid the deductible, youll be covered up to the policy limit.

Pricing and plan options vary by location. Cant do that either. I said, So, youre gonna just leave it like this and put the piece on? He said, Yeah. He knew what he was doing. Next time you run into an issue with your home service lines or otherwise let Hippo have your back. You could use it for 30 days. I'm glad we have HomeServe there when we need them. by atikovi Thu Jun 11, 2020 6:36 am, Post Ben called and asked to arrive earlier than scheduled (around 2pm), and I said I was ready. Thats where wed step in to help. HomeServe has been worthwhile for us. (800) 585-0705[emailprotected]We are here continuously from 6:30 a.m. CT on Monday until 7 p.m. CT on Friday. Imagine spending a week in the winter without heating, trying to work from home without the Internet or taking a shower without water. This is our third home in the Midwest since 1996. by Swansea Wed Jun 10, 2020 1:20 pm, Post Utility and service lines that run underneath your property typically arent covered by standard homeowners insurance. Connect with your American Family Insurance agent today and theyll help you add this affordable, comprehensive and simple coverage to your policy. Typically, service line coverage runs between $20 and $50 in additional insurance premiums per year. I called Home Serve because there was some damage to the weather head on my house. In most cases, the homeowner will be responsible for funding any service line work done within the confines of their property. If an accident does happen, service line coverage will help you throughout the repair process.

He arrived, turned off the electricity to my house for about 40 minutes while he made his repairs, fixed the weather head and the guiline on the roof, and was done. I always toss them in the trash.

by seawolf21 Thu Jun 11, 2020 10:57 am, Post I love the service so far. ConsumerAffairs is not a government agency.

Learn more about how we use and vet external sources as part of our. Homeserve has been quick to respond to my emergencies supplying qualified technicians to rectify the situations. He fixed the thing right away.

No matter where you live, your home can experience sump pump failure or water backup.

Heres a list of occurrences covered by service line coverage: The sewer line from the city sewer main to the residence collapses due to deterioration. by lthenderson Wed Jun 10, 2020 10:14 pm, Post PVC leaks are easy to fix if the leak location can be found and dug up. Please review your policy or call your agent for information regarding coverage that may be available to you. So if your sewer line is damaged, the repair will typically cost between $1,000 and $4,000, with the average cost sitting at $2,556. Within the hour the plumber had the problem solved. They just say "Okay," and find someone else. Questions about this page? I normally call in when I have a claim and then they ask me what's going on and see what its covered under. It does look like we do have leaks in our toilet. Service line coverage is one of the best value coverage endorsements, costing as little as $30 annually for $10,000 in coverage. How much does service line coverage cost? Read up on topics ranging from understanding insurance and home care to DIY tips and more. There is four pieces up there, and one of them is damaged, one 2 x 4. Smart insurance coverage for your modern lifestyle. Service lines are a network of underground cables, pipes and lines that connect your home to the citys main supply for utility services. You can choose to protect individual or multiple plumbing, electrical, and heating and cooling systems. He said, They're telling me that you're not covered.. It shows all the different services they provide. He snaked the 25 feet out through my kitchen and the bathroom.

I was okay with doing that myself. Fortunately my neighbor had a special wrench to shut it off at the meter.

HomeServe offers a variety of plans that cover electrical wiring, gas fuel lines, plumbing, cooling and heating systems. by Orbuculum Nongata Wed Jun 10, 2020 1:13 pm, Post The company also offers combination plans if you want to mix and match. Coverage applies once a deductible has been met. You can add service line coverage to your policy for an additional fee to get this type of protection.

I'm glad I got it. Overall, HomeServe is great. This is why I have complete peace of mind with HomeServe, that if something happens, my kids aren't going to be cold, we're gonna have heat and we're gonna have water.

I don't live anywhere that freezes, so one doesn't have to dig deep to get to the pipes. He tells my husband (I was working) that he will put R-22 in the system. Prices and plans may vary by location. Learn about our editorial standards and how we make money. Youll be covered for underground piping or wiring that provides electrical power, heating, natural gas, waste disposal, compressed air, water, steam, internet access, telecommunications services, wide area networks or data transmission services to your home.

by franks Thu Jun 11, 2020 7:38 am, Post

Not only did your Super Bowl party just get awkward, but now youre also financially responsible for fixing the damage to the cable lines., Though service lines like cable, water, sewer, electric and gas are out of sight, they definitely shouldn't be out of mind.

So, I got in touch with HomeServe so they could come out and figure out where the leak was at.

Considering the high costs related to these types of repairs, its a smart choice to add this coverage to your policy. Previously, he was a financial advisor at MetLife and MassMutual. HomeServe specializes in providing coverage for your homes essential systems, including electrical, plumbing and heat and air.

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