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Why Choose Us?

Professional Installers
Professional Installers

We have licensed septic tank system installers with years of experience.

Budget Friendly Septic Service

Rooter Septic Services offers most reliable and affordable septic tank services in the area.

Local Septic Company
Locally Owned

Rooter Septic Services is locally owned and operated septic company. Support a local business.

Insured Septic Installers
Insured & Certified

Rooter Septic Services is a Georgia registered licensed septic company offering insured and certified septic services.

24 Jun 2024
3 Septic System Problems Covered by Homeowners Insurance
3 Septic System Problems Covered by Homeowners Insurance

3 Septic System Problems Covered by Homeowners Insurance

A septic system is an essential yet often overlooked component of many homes, playing a crucial role in waste management. However, when septic system issues arise, they can be both inconvenient and costly. Fortunately, homeowners’ insurance can sometimes cover certain septic system problems, alleviating financial strain.

1. Damage from Covered Perils

Homeowners' insurance policies often cover damage to septic systems caused by specific perils, such as fire, lightning, or falling objects. For instance, if a tree falls during a storm and damages your septic tank, your homeowners' insurance policy may cover the cost of repairs or replacement.

In such cases, the insurance process usually begins with an assessment from a septic company. They will evaluate the extent of the damage and recommend necessary septic tank repair or a new septic tank installation if required. Prompt action is crucial in these scenarios to prevent further complications, such as groundwater contamination.

Regular maintenance, including septic tank cleaning, can help identify vulnerabilities in your system, potentially minimizing the impact of such incidents. Working with a reputable septic company like Rooter Septic Services ensures that your system is well-maintained and that any damage can be promptly and professionally addressed.

2. Overflow or Backup Due to Clogs

Septic system backups and overflows can cause significant damage to your home and property. Most homeowners’ insurance policies cover damage caused by sudden and accidental discharge from plumbing, heating, or air conditioning systems, including septic tanks. This means that if your septic tank backs up and causes damage to your home, the repair costs for the resulting water damage might be covered.

However, it's important to note that the cost to fix the septic system itself (such as unclogging the tank) may not be covered under standard policies. This is where regular septic tank pumping and septic tank cleaning come into play. Preventative maintenance reduces the risk of clogs and backups, helping maintain the system’s functionality and extending its lifespan.

When a backup does occur, a septic company in Kennesaw can provide emergency services to mitigate damage and restore your system. These professionals have the expertise and equipment necessary for efficient septic tank repair, ensuring that your home remains safe and sanitary.

3. Damage from Collapses or Cracks

Structural issues such as collapses or cracks in the septic tank or drain field can be severe and costly to repair. Homeowners’ insurance may cover damage caused by events like earth movement (if the policy includes such coverage) or construction accidents.

For example, if heavy machinery used during a home renovation accidentally damages your septic system, your insurance policy might cover the necessary repairs. In these instances, documentation and timely reporting are essential. Rooter Septic Services can assess the damage, provide estimates, and carry out the required septic tank installation or repair.

Ensuring that your septic system is regularly inspected and maintained is crucial. Regular septic tank pumping helps identify potential issues early, reducing the likelihood of severe damage and extending the system’s operational life.

Save Your Money

Understanding which septic system problems are covered by homeowners’ insurance can save you from unexpected financial burdens. By staying informed and proactive about your septic system’s maintenance and potential insurance coverage, you can ensure that your home remains safe, sanitary, and financially protected from unforeseen septic system issues.