Service line coverage protects homeowners in Ardsley, Dobbs Ferry, Hastings on Hudson, White Plains, Westchester and all of New York in the event that pipes or wiring under their lawn (coming into their property but not located on the street or in their home) fail or are damaged.
It kind of ‘fills the gap’ between what a municipality is typically responsible to repair for piping and lines (usually the portion that’s under the street) and what homeowners insurance covers to repair (usually only what is inside the house itself).
This will help to cover the costs of repairing the damaged service lines and pipes you are legally responsible for.
These pipes and lines are very costly to repair and unfortunately most insurance companies are not offering this coverage!
What exactly is a service line?
Depending on the specific coverage plan you purchase, coverage for the following types of service lines coming onto your property is typically included:
- Electrical Wiring
- Power Lines
- Communication or Data-Transmission Wiring (TV, phone, internet)
This coverage is so important because these services are critical for making your home livable.
Without service line protection you are likely looking at thousands of dollars in repairs out of pocket if these lines need to be repaired or replaced.
Unfortunately, many homeowners find out too late that this is not something that is automatically covered in their homeowners insurance policy.
When does coverage apply for a service line?
If you have a leak, break, tear, rupture, collapse or arcing of a covered service line ; this would typically trigger coverage.
The more important question to ask, though, is what the coverage involves. The specific things you want your service line coverage to be responsible for include:
- Repair of damage to service lines
- Costs of excavation
- Expediting expenses
- Loss of use or additional living expenses (in the event you are not able to live in your home while the repairs are taking place)
- Outdoor property repairs (to repair damage to your property and other property in the process of repairing the damage)
It’s important to make sure you know what you are getting and that all your service lines are properly protected. You will likely be responsible for a deductible with your service line coverage so keep that in mind when comparing policies or plans.
Are there Coverage Exclusions? (Things that are not covered)
Yes of course!
Most service line protection plans have some very specific exclusions. You need to know what they are before you make any decisions that could cost you big time when all is said and done. Common exclusions include:
- Relocation or upgrading of wiring or pipes.
- Septic systems.
- Replacement of water wells, motors, or pumps.
- Damage from service lines that are being dismantles, serviced,o or installed.
- Wiring, piping, etc. that runs through a building or a body of water.
Not all policies are the same so you’ll need to discuss the specific details of your policy during the decision-making