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Tree Roots and Sewer Lines: Protecting Your Home

Tree Roots and Sewer Lines: Protecting Your Home

Owned by Jonathan Zschau
Last updated: Jan 12, 2025
2 min read

Living on a tree-lined street has its charm—shade on sunny days, vibrant fall colors, and a picturesque view. However, beneath the surface, those trees could be creating costly problems for your home. Tree roots, while essential for a tree’s health, can invade sewer and water pipes, leading to significant damage over time. Fortunately, with the right insurance coverage, you can protect yourself from unexpected repair bills.

How Do Tree Roots Cause Damage?

Tree roots naturally seek out moisture and nutrients, which often leads them to sewer and water lines. Small cracks or loose joints in the pipes can act as entry points. Once inside, roots can grow and expand, causing:

  • Blockages that lead to sewage backups.

  • Cracks or breaks in pipes that require expensive repairs or replacements.

  • Water leaks that can damage your property and increase utility bills.

Even if the trees aren’t directly on your property, roots from nearby trees on public streets or your neighbor’s yard can still affect your underground pipes.

Can You Add Coverage for This?

The good news is that many homeowners insurance policies offer an option to add sewer and water line coverage for a minimal additional premium. This coverage typically helps with:

  • Repairs or replacements for damaged pipes caused by tree roots.

  • Costs associated with removing blockages.

  • Cleanup and restoration expenses if the damage leads to interior flooding.

Proactive Steps to Protect Your Home

  • Inspect Your Pipes Regularly: A professional plumber can use a camera to identify potential root issues before they escalate.

  • Install Root Barriers: These barriers redirect root growth away from your sewer lines.

  • Review Your Insurance Policy: Work with your agent to ensure you have the necessary coverage for sewer and water pipe damage.

At Partridge-Zschau, we can help you explore your options for adding sewer and water line coverage to your homeowners policy. With a small investment, you can avoid significant repair costs and ensure your home stays safe from hidden dangers lurking underground. Contact us today to learn more!

Disclaimer

This article is for informational purposes only and is not intended to stand alone as insurance or legal advice. Individual circumstances may vary, so when in doubt, contact Partridge-Zschau directly to discuss your specific needs.