Most home insurance policies do not cover tree root damage as the risks outlined are usually sudden and accidental. They grow over time in the sewer line without notice. You’ll start to notice water swirl on your sink slowly, then eventually seep down the drain. On the other hand, flashing the toilet will result in messy overflows.
These are good indicators of clogged sewers, and if there’s a tree between your home and streets, chances are its roots are causing the sewer backups. How does tree root infiltrate your sewer line? Plus, will your home insurance cover water repairs and damage? Read on to debunk all these issues.
Tree Root Infiltrating the Drain Line
The roots are always looking for nutrient-rich and moist soil where they can thrive in. Discharge from your home is suitable for these tree roots to grow there, especially if your sewer lines have fractures and joints that are not airtight. The vapor and fluids from the sewer line will attract roots from the nearby areas.
It can often start as a tendril peeping through a pipe and slowly turn into a roots labyrinth. The roots can, thereby, block the flow of water or, worse, filter the water, catching all the debris. This is how sewer lines get blocked.
Tree Roots Are Not Covered in Home Insurance
Home insurance covers risks around your home that are sudden and accidental, and damages caused by tree roots are neither. Therefore, the damages caused by the infiltration of tree roots may not be covered by home insurance. Moreover, the insurance company may not cover any associated water damage like water backing up.
Most insurers don’t have that kind of detailed coverage in their limitations. You’ll have to deal with the damages and repairs alone. However, other insurance companies can give you the option of a rider for sewer line coverage. The extra rider can shield homeowners from the expenses of the sewer line itself.
Preventing Tree Roots Infiltrations
Prevention is better than dealing with the aftermath. Getting at the root cause of the problem is, therefore, important. Here are four tips that’ll help you prevent tree root infiltration:
- Plant trees away from your sewer line; it’s as simple as that, avoid planting trees 10 yards from your drainage line. You can move any young tree that can pose a challenge later on away from the drainage line.
- Inspect the slow drain right away; once you start noticing that your drainage swirls slower than usual, it’s imperative to have your sewer lines checked to determine any underlying problem. It can either be a P-trap or buildup due to debris. Whichever the case, you can easily fix them. The problem can be dire, like tree root infiltration; knowing beforehand can help limit further damage.
- Killing the root structure; if there are chances of tree root infiltration, it’s wise to deal with them earlier using products that can kill the root structure to clear out the sewer lines.
- Ensure a plumber clears out the drainage system; getting a plumber to work on your drainage system earlier on when the problem is not massive is essential. They are better positioned to auger out roots before they completely block your drainage system.