All AboutService Line Coverage.
As a homeowner, did you know that you are responsible for the repair or replacement of service lines on your property?
Service Line coverage provides payment for damage to piping, wiring, and outdoor property when caused by a service line failure. A Service line is exterior underground piping and wiring including permanent connections, valves, or attached devices providing a service to the residence premises.
Coverage is provided for damaged piping for which homeowners are legally responsible. This coverage starts at the building exterior and ends at the point of connection to the main utility line which services your property.
What is a Service Line Failure?
A “service line failure” is physical damage, meaning a leak, break, tear, rupture, collapse or arcing of a “covered service line”. Covered causes of a service line failure include but are not limited to the following:
|
|
|
|
|
|
|
|
|
|
Policy Limits
Covered Service Includes: |
|
|
|
Service Line coverage is available to be added at policy inception or renewal only. When choosing your coverage and deductible, you will be asked the age of your home’s service line: 50 years and older, or 49 years and newer, and there is a policy limit of $10,000. Age of the dwelling will be the default if the age of service lines is unknown.
Please note that if the Coverage Summary page indicates coverage for a service line 49 years or newer BUT at the time of a claim the service line is discovered to be 50 years or older, the limit of coverage will be restricted to $2500 as noted in the wordings. If the Coverage Summary page indicates coverage for a service line 50 years or older, the limit of coverage is $10,000.
If you have had 2 or more paid Service Line claims in the past 3 years, your request will be forwarded to HSB for binding of coverage.
Highlights of Coverage, Terms & Conditions
Coverage
Coverage from the point of connection to the main service or utility line. It includes costs for outdoor property, such as trees, shrubs, plants, lawns, walkways or driveways damaged during excavation of a covered service line following a service line failure.
Other Conditions
Coverage is available for additional cost to replace a damaged service line with environmentally-friendly materials; however, coverage will not pay to increase the size or capacity.
Claims
Service Line Claims are handled by HSB along with our My Mutual team to take care of you. Payment for a damaged service line will be the lesser of the policy limit or the cost to repair or replace the materials.
Limits of Liability
$10,000 per policy period.
The claims free discount will be impacted on any paid claim under the Service Line Coverage.
Loss of Use
Coverage for additional living expenses and fair rental value is available if you are unable to stay in your home during repairs.
Exclusions
Coverage is not provided for:
- Blockage, sag, or low pressure when there is no physical damage to the Covered Service Line.
- Relocation of existing piping or wiring
- Water wells, well pumps and motors
- Septic systems/tanks leach fields, pumps and motors or piping from a tank to a leach or discharge field
- Flood and earth movement
- Backing up or escape of water from a sewer, sump, or septic tank
- Damage that occurs while being installed, dismantled or repaired
- Coverage is subject to underlying property policy exclusions
- No coverage is available for vacant buildings
This is a summary of coverages. For all coverages, terms, conditions and exclusions, refer to the actual insurance policy.
