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Published on: March 01 2015
As your home gets older, so does the exterior water service line that brings fresh water to your house. Leaks and breaks are usually caused by aging of the pipe, corrosion, extreme temperatures, settling or shifting of the ground. If this line fails, repair or replacement can be expensive and most basic homeowners insurance doesn’t cover repairs to the line on your property.
With a repair plan from HomeServe, you can get protection from time-consuming and expensive repairs. Coverage includes the emergency breakdown costs of locating, excavating and repairing leaks as well as replacing pipe segments up to the annual benefit amount.
If your water service line fails, it can cause:
Most basic homeowners insurance and local utilities or municipalities do not cover repairing or replacing the exterior water service line. Buried pipes break—protect yours with an affordable plan from HomeServe USA and get protection from high repair costs with access to our 24/7 hotline where you can schedule a repair for your exterior water service line.
If you're unsure about your responsibility for the exterior water service line on your property, contact your municipality or local water company.
‡HomeServe national average repair costs as of April 2013. No charge for covered repairs up to your benefit amount.
In some towns, the service line beyond the property boundary to the main connection may be an additional responsibility of the homeowner but is not included in this coverage.
Exclusions: Repair to any exterior water service line that branches off the main line.
Responsibility: If you live in a development community with a condominium, co-op or homeowners association, your exterior water service line may not be an individual homeowners responsibility, so please check with your association before purchasing this coverage.
Benefit Details: Coverage provides, up to the benefit amount, for the covered cost to repair or replace the exterior water service line on your property that is damaged due to normal wear and tear, not accident or negligence.
Making a Service Call: Your plan will start the day your order is processed and there is an initial 30-day waiting period before you can make a service call, giving you 11 months of coverage during the first year.
Renewal: Your coverage is based on an annual contract and the service agreement will be automatically renewed annually at the then-current renewal price. Your coverage will remain in effect unless you call to discontinue.
Does my homeowners insurance or local utility cover repairs to the systems around my home?
Many homeowners believe their utility companies or homeowners insurance is responsible for emergency repairs to the water, sewer, plumbing, electrical, heating and cooling systems, but the reality is that in many cases you, the homeowner, is responsible. Most basic homeowners insurance policies and local utility companies or municipalities do not cover repairs to or replacement of the major systems in and around your home.
After I purchase a plan, when does my coverage begin?
Your plan starts the day your order is processed, and there is an initial 30-day waiting period before you can make a service call, giving you 11 months of coverage during the first year. This prevents service calls on pre-existing conditions and helps keep the coverage affordable.
I need a repair. What should I do?
Step 1: If you should suffer a home repair emergency after your start date that is covered by your plan, call HomeServe toll-free at 1-855-336-2465 and one of our customer service specialists will get you started on your service call.
Step 2: A local, licensed and insured technician will be dispatched to your home to make the covered repair or replacement.
Step 3: Once covered repairs are completed, you just sign a form to say you are satisfied and we pay the technician directly up to the annual benefit amount.
Who will come to my home to make the repair?
Homeowners who call with a covered emergency can rest assured that a local, licensed and insured technician will respond to the call and carry out the repair in a professional manner.
How do I cancel my plan?
You may cancel within 30 days of your start date for a full refund less any claims paid, where applicable, by calling HomeServe at 1-855-336-2465. Cancellations after the first 30 days will result in a pro-rata refund less any claims paid, where applicable.