Reply to VA sewer line insurance - water company, dominion, or other? Worth it?

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Reply to "VA sewer line insurance - water company, dominion, or other? Worth it?"

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I get these notifications in the mail from time to time, and we're relatively new homeowners but with a 70 year old home. Can anyone speak to the value of sewer insurance, and what's the best route? Water company? I'm told Dominion also offers something similar. Is it worth it? Reliable? What's the difference? [/quote]

Oh my gosh. YES. I got the HomeServe and its just tacked onto my Dominion bill. Our neighbors had thousands of dollars of work mostly covered. [/quote]

We didn't have this and had a major sewer issue this spring. Had to replace the enter line -- required digging up our yard and the street. Our home insurance covered the destroyed basement, which we had to completely redo. It didn't cover the cost of sewer line replacement on our property, which was $8k and they didn't do a great job. (As in they did some dangerous stuff that forced us to evacuate the house for 4 days until they were completely done.) The utility took care of the part on the street and that came up on our property, but it took days and we were without water for large periods of time during the day ... with a potty-training preschooler and a kindergartener ... during COVID so we couldn't just walk down the street to use the bathroom at Starbucks or whatever.  The constant turning on and off of the water caused the 80 year old pipes in our walls to spring a leak so we had to rip out part of the wall and repair those, at our expense. I forget what that came in at. Between plumbing and basic wall repair (we deferred painting to a later date), I think it was another 3.5 or 4k.

It was a nightmare. If the kids had been at school, maybe it would have been more bearable. If it hadn't been COVID times, maybe more bearable (and the kids wouldn't have been home all day). If our house were larger, etc. We were without working laundry or a second bathroom for over a month and placed on restricted water use (only one bath a day, using paper plates because we couldn't wash dishes, etc) for 6 weeks.

Our house was built in 1940.

It all depends on how much insurance is, but this was one of the worst homeowning experiences I've had. And that includes recurrent basement water issues for years. Regular water, not sewage. It's way worse.[/quote]

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