Many homeowners assume insurance will cover septic-related issues, but most policies exclude damage caused by neglect. Here’s why:
- Negligence Clause – If your system fails due to lack of routine maintenance, your claim is likely to be denied.
- Sewage Backup Coverage – Some policies offer optional coverage, but it only applies to sudden and accidentaloverflows—not poor maintenance.
- Costly Repairs – If your septic system causes structural damage, insurers may refuse coverage if they determine it was preventable.
- Inspection Requirements – Some insurers require proof of regular septic maintenance for coverage eligibility, especially in rural areas.
