Septic Systems and Homeowner Insurance

We are having a disagreement with friends about homeowner insurance. Does home insurance cover septic systems and/or mound system replacements? We say no, they say yes.

Answer: While I hate to get into the middle of an argument between friends, I'd have to side with you, depending on the circumstances of the "replacement." If the septic system has to be replaced because of "regular maintenance" issues, insurance is not going to cover that. However, if the septic system needs to be replaced because of damages that are covered under the policy, then I'd have to say yes.

In every case, you would have to read the fine print on the policy and see what is covered and what is not. Some policies will not cover septic systems at all; others will provide coverage but you will need a special endorsement; or you may have a policy in which such "structures" are included but only up to a certain maximum.

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