Service Lines: Are You Covered?

Did you know that service lines are your responsibility as a homeowner? Furthermore, most home insurance policies do not cover Service Lines. Find out more about Service Lines and what you can do to protect against unexpected costs.

WHAT IS A SERVICE LINE?

A service line connects your home to city services and other services related to the function of your home, including:

• Telecommunications
• Water or Well
• Sewer
• Septic
• Electrical

WHO MAINTAINS SERVICE LINES?

People often assume service lines are the responsibility of their city. However, this is not the case. Homeowners are often surprised to learn that they own and are responsible for repairs and maintenance of service lines. This means, all of the costs associated with repairs are your responsibility as the homeowner. These costs can include:

• Contractors
• Cost of Locates & Digging
• Permits
• Materials & Machine Rentals
• Damage to trees, shrubs or driveways caused during repair process

DOES MY HOME INSURANCE COVER SERVICE LINES?

A home insurance policy does not cover service line repairs. Without the right insurance policy, all repair and maintenance costs must be covered directly by you as the homeowner.

CAN I GET INSURANCE FOR SERVICE LINES?

Yes, at Mass Insurance, we offer service line coverage for homeowners. Call your broker for a quote today.

HOW DO I KNOW IF MAINTENANCE IS NEEDED?

The best way to prevent a critical issue is to identify potential risks associated with your service lines. Aviva Canada recommends assessing the potential need for preventative maintenance by using the following criteria:

Age of Pipes

The average lifespan of water pipes is 25 years, but the average age of pipes in many areas in Canada is over 50 years old, and several municipalities have water systems of comparable age. Knowing the age of your own water pipes will help you determine whether they’re due for a repair or replacement.

Materials

Depending on what your pipes are made of, the life expectancy will differ. It’s important that you check the material of your sewer and water pipes in order to make an educated assessment, or consult an expert to see when they’re due for a repair or in need of a replacement.

Nearby Trees

Tree roots can cause serious damage to service lines. The clay pipes that often make up water and sewer lines are no match for robust tree roots. If your home is surrounded by mature trees, contact a professional to investigate potential issues.

TOP 6 SIGNS OF SERVICE LINE DAMAGE

If you experience any of the following issues, you may have an issue with a service line:

1. Unexplained flooding in yard
2. Water Discolouration
3. Unusual sounds
4. Lack of water pressure
5. Unexplained water bill changes
6. Unexplained issues with telecommunications services

Have questions about your home’s service lines? Call your broker today.