Cubby, it's distressing to hear that they just bandaided and bandaided your main until you ended up paying anyway. by NJAW and predator(s)? He said it was NOT covered by homeowners and along with the repairs to his basement (drywall, flooring etc) it's going to cost him $10k. But if a big repair bill would be a hardship and you are more comfortable with the fixed monthly payment, it may be the way to go. Recent weather is another risk factor, our water main recently broke and the company who replaced it indicated the extreme highs to lows play a factor (they've been very busy this winter bc of this). At American Water, we remain steadfast in our commitment to keeping you informed as we work to deliver clean, safe and reliable water and wastewater services to you during the COVID-19 public health emergency. We ended up getting their water main protection plan years ago, but haven't needed to use it (knock on wood). it is insurance. Trenches often seen in front yards usually are for sewer pipes, not water supply pipes.
Thanks, everyone, for your reports. There was drain blockage and the management agent called a plumber. Did NJAW in fact cover all the costs, or did they find some of those famous "exemptions"? Yes, I think if there is damage in the house due to blockage/backup, home insurance would cover, but not if the problem is out in the street. I have used the sewer line insurance to have the line snaked a few times when there were clogs.
Our house also 100+ years; I wonder if NJAW would be able to tell us what our main is made of. The company has been providing protection contracts for more than 18 years with more than 9 out of 10 customers satisfied and an A+ Rating from the Better Business Bureau . We are in the middle of a massive plumbing repair but it's not covered by insurance - so in this instance, it's completely useless. Like most insurance, I hope I never need to use it. On the other hand, the premium has been about $200 since I signed up. AWR has been providing water and sewer line protection services for 18 years and has 1.9 million customers across the country. American Water Resources keeps life flowing by offering Service Line Protection Contracts to homeowners in 43 states and Washington, D.C., and currently services more than 1.9 million contracts. That being said, you are then tied to using them to do the repair and I have heard mixed reviews on the speediness and quality of the work by the contractors they send. American Water was willing to do the second repair but we wanted the line replaced at that point knowing that it was the original line and would eventually break again. Let’s find out more about this coverage. To replace a large pipe in the basement.
(I wonder whether home insurance would cover a sewer problem.).
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