Viewing a single comment thread. View all comments

TransporterOffline t1_j28v2zi wrote

I wouldn't be worried so much about the cost as I would be the claim process. Is anyone willing to chime in about positive/negative claims experiences with these insurers?

8

iheartpgh OP t1_j28vg5p wrote

I was going to ask the same thing! Great question.

3

EasyThereOldTimer t1_j2cihfo wrote

I can. It’s a goddamn nightmare. Many of the coverages provided only handle active backups into the home. Homeowners will tell you the basement is not your home. Extra coverage from the gas company will tell you it’s only the line from the exterior wall to the sewer and only covered in case of an active backup. Home warranty will only cover if the pipes are accessible, as in not behind any walls. All three of them will point fingers at each other and send their own cheapo plumbers to tell you it’s not covered.

Hire a claims adjustor, find a reputable plumber and learn about HELOC at your bank of choice. Hope for the best but prepare for the worst. Plumbing and sewer is notoriously hard to be handled by insurance. If your insurance company offers a ton of riders for plumbing and sewer - pay for them and cover your ass.

2

CARLEtheCamry t1_j2d4hqt wrote

Got gas line insurance from Columbia, my local provider. At the recommendation of the the tech who turned on my service when I moved in.

Had to use it in less than 2 years of moving in. Gas leaking at the sidewalk, right at the cutoff.

They sent some hillbilly contractors who rented a small back-hoe, and got the job done in a day. Cost me nothing (other than the $3 a month on my bill), my biggest complaint was the grass. I bought and watered good seed, and someone showed up 2 months after just as it was starting to take root and threw some straw/seed down on top of it.

9/10 would recommend.

3