It’s a perfect picture: Your home is in a lovely, leafy neighbourhood with a gigantic tree that’s been flourishing in the front yard for the past fifty years. That tree provides abundant shade during the summer. But there’s something lurking beneath the surface: roots. Roots that can invade the clay drainage pipe, causing it to crack. Repair or replacement costs can run into thousands of dollars.

Homeowners are Responsible for Service Line Repairs
Split Drainage Pipe

As a homeowner, you are responsible for repairs to underground pipes and wiring that bring services such as water, gas, power, data and communications into your home, if the damage occurs on your property, or off your premises, and you are legally responsible for it.

The cost to repair or replace these lines is not covered by a typical homeowners insurance policy. But there is a type of insurance that covers such losses: Service Line coverage.

Example of a Service Line Loss
Underground Pipe

Here’s an example of a loss caused by root invasion to a sewer line:

Repairmen who were called to a home about basement water, found a backed-up sewer line and excavated the front yard. Tree roots invading the terra cotta sewer piping in several places caused the line to collapse, requiring sewer line replacement and landscape repair. The covered cost amounted to $9,750.

Common Causes of Service Line Failures
Frozen Cracked Pipe

Root invasion is just one common cause of service line failure, but there are others, including accidental intrusion, deterioration, arcing or freezing.

Learn about the types of service lines covered by this insurance, speak to your insurance broker or contact us for more information.

Related Articles

More examples of what can go wrong with your home’s service lines

© The Boiler Inspection and Insurance Company of Canada. All rights reserved.

This article is for informational purposes only. All recommendations are general guidelines and are not intended to be exhaustive or complete, nor are they designed to replace information or instructions from the manufacturer of your equipment or software. Contact your equipment service representative or manufacturer with specific questions. Under no circumstances shall BI&I or any party involved in creating or delivering this article be liable for any loss or damage that results from the use of the information or images contained in or linked to in this article.

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