A Guide for Michigan Homeowners

One of the most common surprises for homeowners in West Bloomfield and across Southeast Michigan is discovering that a Collapsed Drain Repair is often not covered by a standard home insurance policy. Most basic policies only cover damage that happens inside the home, leaving the expensive underground pipe between your house and the city main as your financial responsibility.

At Sewer23™, we have helped hundreds of neighbors in Farmington Hills and Royal Oak navigate the complexities of insurance claims to ensure they get the coverage they deserve.

Dealing with a claim right now? We provide the high-definition video evidence adjusters need. Call Sewer23™ at (248) 993-3423 to schedule your inspection.

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Understanding Your Coverage Options

To get a Sewer Line Replacement paid for by insurance, you typically need one of two specific “endorsements” on your policy:

1. Sewer Backup Endorsement

This covers the damage inside your home caused by a backup (e.g., ruined drywall or flooring in the basement). However, it usually does not pay to fix the pipe itself. If your Main Sewer Line is blocked, this pays for the cleanup, but not the repair.

2. Service Line Coverage (The “Gold Standard”)

This is a newer type of coverage that specifically pays for the excavation and repair of underground utility lines. This is what you need if you are facing Main Sewer Tree Roots that have compromised the structural integrity of your pipe.

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How Sewer23™ Helps with Your Claim

Insurance adjusters require “Proof of Loss” before they cut a check. We provide the professional documentation they look for:

• Video Evidence: We perform a comprehensive Camera Inspection and provide you with the digital file to send directly to your agent.

• Precise Locating: Using frequency-based technology, we mark the exact spot of the failure, proving if the break is on your property or the city’s side.

• Itemized Estimates: We provide detailed quotes for Sewer Line Replacement that insurance companies can easily process.

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Common Exclusions to Watch For

Even with good coverage, some Michigan insurance providers may deny claims based on:

• “Wear and Tear”: If the pipe is simply old and corroded.

• Negligence: If you knew about a problem and didn’t fix it.

• Sump Pump Failure: Unless you have a specific rider for Sump Pump failure.

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Why Diagnostic Speed Matters

If you suspect a problem—such as Toilets gurgling or water pooling near your Storm Drain Lines—calling us early can be the difference between a covered “sudden failure” and a denied “long-term seepage” claim.

Protect Your Home and Your Wallet

Don’t wait until your basement is under water to check your policy. Sewer23™ is here to provide the expert diagnostics and professional repairs you need to keep your home safe.

[TALK TO A SEWER EXPERT – 248.993.3423] Serving West Bloomfield and all Locations in Southeast Michigan.