Why Does Home Insurance Don’t Cover Trenchless Repairs?

damaged pipes in home basement Lansing, MI

Many homeowners are not aware their home insurance policies often don’t cover trenchless pipe repair in Lansing, MI. There are some technicalities and reasons behind this exclusion. But this doesn’t mean that homeowners won’t be able to benefit from using these services out of their own pockets.

Technicalities Involved In Insurance And Trenchless Repairs

Trenchless sewer repair is a modern technique used to fix or replace damaged sewer lines without extensive digging. Despite its efficiency and reduced disruption, insurance companies often categorize trenchless repairs as maintenance rather than emergency repairs.

Home insurance often covers sudden and accidental damage. They don’t cover gradual deterioration or maintenance issues. Because many sewer line problems develop over time, insurers view trenchless repairs as the homeowner’s responsibility.

Another factor is the cost associated with trenchless pipe replacement. Trenchless methods are cost-effective due to less landscaping damage and faster completion times. However, the initial costs can be higher than traditional repair methods.

Insurance policies minimize payout amounts. They often exclude higher-cost options when there are cheaper, albeit more disruptive, alternatives available. This cost factor discourages insurers from covering trenchless replacements.

The Specifics Of Proper Trenchless Methods

The specialized nature of trenchless pipe lining requires specific skills and equipment. This can further increase the repair costs. It involves inserting a resin-coated tube into the existing pipe, which then hardens to form a new pipe within the old one. This method, while effective, requires expertise that not all contractors have.

The specialized nature of trenchless technology also means fewer contractors are available. Those who offer the service may charge a premium. Insurance companies may exclude coverage for these specialized repairs to avoid the higher associated costs.

Homeowners should carefully review their insurance policies and consider setting aside funds for potential trenchless repair needs. This doesn’t mean that trenchless isn’t a wise investment. Aside from its durable and long-term solutions, it is often cheaper than traditional methods. You do away with the extra labor, materials, and renovations.

For expert trenchless services, call Septic Tank Service today. We’ve been the local plumbing authority since 1965. Insurance coverage or not, we provide professional and high-quality work.