HOLY CRAP! I Hope That Sewage Is on the Inside of the House

🤯 HOLY CRAP! I Hope That Sewage Is on the Inside of the House

This is a critical, little-known insurance fact that can save you tens of thousands of dollars if a sewer pipe breaks beneath your basement.

I’ve worked many claims where a broken pipe under a concrete slab causes immediate panic. Many homeowners—and even some insurance adjusters—assume this type of loss is always denied.

They are wrong. And here’s why.

🛠️ The Hidden $10,000 Access Secret

Most standard homeowner policies do exclude the cost of replacing the broken sewer pipe itself. That includes the pipe material and the basic labor to reconnect it.

But here’s the part almost no one focuses on:

That pipe replacement cost is relatively small.

The real expense is everything required to access the pipe:

• Jackhammering the concrete slab
• Excavating beneath the foundation
• Removing contaminated material
• Replacing the slab and flooring afterward

This access work often costs $10,000–$20,000, and whether it’s covered comes down to one key question:

Did the failure cause damage inside the house?

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🛑 What You Need to Know

When sewage or water backs up into the home and causes internal damage, the policy typically covers the major costs, including:

• Slab access and removal
• Contamination cleanup
• Slab and flooring replacement

If an adjuster attempts to deny the claim by focusing only on the excluded pipe, redirect the conversation. The issue isn’t the pipe—it’s the damage to the house and the necessary access required to repair it.

Access costs are often covered when they’re required to fix resulting damage.

Don’t let a technical misunderstanding cost you thousands of dollars. This is exactly why claims like these should never be handled alone.