If you are on city water and have a broken water line, who’s responsible for fixing it? The answer depends on where the water line breaks. While many homeowners are under the assumption that anything outside of their home is not their responsibility, a broken water line could.

Generally, a broken water line connecting your home to the main water service is your responsibility. Even if it’s in your yard. But if the damage is under the street at the main water line, the city should be responsible for completing the repairs. The average cost to repair a main water service line is around $900, according to HomeAdvisor. At Abend Plumbing and Heating, we offer home and commercial water and sewer replacement. If you need water line service, contact us to have one of our Master Plumbers come out to get your water turned back on!

If you don’t want to be out-of-pocket for the entire cost, there are three ways you can get coverage for a broken water line.

Special Coverage Through Your Provider

You may have seen a pamphlet sent to your house each year from the water or electric company offering special water and sewer lines coverage? For a small fee included in your water or electric bill, you can have coverage to pay for water line breaks. There may also be a deductible to pay for service and a cost for products. So be sure to read the fine print for details. Weighing the potential out-of-pocket cost and monthly service fee can help you decide if this add-on is worth the extra cost.

Water Provider Coverage

If you don’t think your water or electric company’s special coverage is worth the cost, there may be another option. Your water provider may offer a maintenance program that includes coverage for things like water line flushing and repairs. Like the special coverage your provider offers, you should look at the fine print on the maintenance plan to factor in all the costs, including deductibles and supplies.

Home Insurance

Suppose you haven’t looked carefully at your homeowners insurance policy recently. In that case, you may assume there is coverage for fixing or replacing a broken water line. Unfortunately, most standard home insurance policies only offer coverage for the damage the broken water or sewer line causes. For instance, if the damage happened in your house and caused water damage to your floors and belongings, the home policy would cover it.

However, you are still responsible for the cost of fixing the broken water or sewer line. Depending on your insurance company, they may offer an endorsement or special add-on coverage similar to your water or electric company’s. Of course, read the fine print and compare the cost and deductible to see if it’s worth it. To do this, call your insurance company and ask if they offer water line coverage. If they do, your policy will pay to repair the broken water line and any damage it causes.

So, there are some options for when you have a break in your water line. Call the pros at Abend Plumbing and Heating, and we’ll send a Master Plumber out to help you recover!