On 12/27/2010 10:15 AM, Colbyt wrote:
wrote in message
...
On 12/27/2010 3:54 AM, HeyBub wrote:
Kate wrote:
I am just wondering if any of you have an insurance policy covering
the sewer/water lines from the edge of the street to your home?

In my city, the city will cover any sewer or water line pipe, etc.
damage up to my property line next to the street. But, if the line
breaks on my property, I am stuck with a huge bill if this problem
occurs.
I can get coverage at $95 a year. Even though I may not need it for
20 years (and hopefully never), I would still be money ahead even if
I kept the policy all of these years. Backhoes, etc. are not cheap.

I would appreciate any feedback.


Hmm. My son had his sewer line replaced, about 70' from the house to the
city main line.

His neighbor (a Guatemalan) dug up the old stuff (some kind of thin,
black,
plastic) laid in the '60s. The original was replaced with some new
plastic
pipe about 6" in diameter - I think it was green - with 3/8" thick walls,
then covered it all back up.

Total cost was $450.

I'm glad my son has made friends in the immigrant community - they do
good
work and have many contacts who will do similar good work in other
specialties off the books.



I am quite sure they would have to be busting out concrete in my case.


The last one of those policies I read before I started routinely trashing
them stated that "the repairs to the line was covered but the concrete,
landscaping and other incidentals were not".

Be sure you read the thing with a reconvicted mindset of how are they going
to screw me.

Colbyt


Our local water system is gravity fed from mountain reservoirs. So there
tends to be high pressure in the early AM. Like in many areas folks
started using black plastic tubing for water service lines. After some
years many of those lines started to fail because they can't withstand
the pressure surges. Now all new and replacement lines are K copper.

My buddies parents bought the water line and sewer line "insurance".
They have a plastic service line. The line failed right inside the wall
and flooded the basement. Insurance paid contractor shows up and cuts
out the split section and inserts a coupling and some clamps and
declares the job done. My buddy follows up and finds out they will only
do the least amount of work required. If the line breaks 20 more times
they will just put more bandaids on it. A few months later the line
failed in another spot and flooded the basement again.

My buddy hired a contractor and in less than two hours they installed a
brand new copper service line.