Can I trust a warranty company?

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When you receive a warranty protection offer, you might wonder if it’s right for you. Can you trust a warranty company since many have a bad reputation for high denials and limited coverage options?

The answer lies in research – with a little bit of know-how, you can evaluate any program offer and determine if it’s the right fit for you.

Review the company

  • How long has the company been in business and have they had multiple changes to their brand name?
  • Are they partnered with any notable companies or industry organizations?
  • Read customer reviews.
  • Review their Better Business Bureau profile for accreditation and complaints.
  • Have complaints been resolved in a timely manner and to the customer’s satisfaction?
  • Have they been recognized by the BBB or industry associations for their customer service or contributions to the industry?

Review the Terms and Conditions for each offer and note the following:

  • What are the warranty coverage inclusions and exclusions?
  • Are there hidden service fees or deductibles?
  • Are there coverage caps on the amount paid per repair or per year?
  • Are there coverage restrictions?

What are people saying online?
Google the company name with the word “Complaints” and see what appears. Also note the kind and number of complaints a company has had with the Better Business Bureau or the State Attorney General.

Contact Customer Service
Call the company’s customer service number with questions. Were your questions answered to your satisfaction? Did you have a long wait time before you spoke with a representative? Does their company website have a “frequently asked questions” section that addressed some of your questions? How well the customer service team responded to your questions is usually indicative as to the level of service provided to customers.

Are they accredited with the Better Business Bureau?
All companies are rated with the Better Business Bureau, but some companies choose to be accredited, meaning they abide by a code of ethics set forth by the Better Business Bureau and communicate with the organization regularly by responding to all inquiries and complaints in a timely fashion.

Once you’ve completed an evaluation of the company, only you as a homeowner can determine which warranty is most beneficial for you.

Do I need a water or sewer line warranty?

Newspaper Headlines

It’s not uncommon to have homeowners tell us they don’t need a water or sewer line warranty because their lines haven’t broken and will never break. While we’ve uncovered this is far from the truth – many homeowners are unsure if they need a water or sewer line warranty. When evaluating whether or not to purchase a water or sewer line warranty, homeowners must first understand the coverage details. Warranties are not the same as insurance. While insurance typically covers damage to personal property as a result of service line failures, disasters and extreme circumstances (such as fire, flood, etc.), warranties focus on normal wear and tear – such as aging, ground shifting and tree root intrusion. Problems due to normal wear and tear with the sewer and water lines located outside the home are usually not covered under traditional homeowner’s insurance policies and could be very costly to replace or repair.

When considering whether or not to invest in a water or sewer line warranty, consider the following:

Age of the home
It’s common knowledge as products age, the failure rate increases. While newer homes with PVC pipes may be at lower risk than a 50-year-old home with clay pipes, the age of your home can help determine your need. As homes age, so does the infrastructure supplying water to and removing waste from them.

Types of pipes and length of lines
Do you know of what materials the water and sewer lines inside and outside of your home are made? Some materials are more prone to problems and have shorter life expectancies than others. Knowing what the lines are made of can help determine the level of risk. In addition, the longer the line, the greater the risk of failure and the higher the cost to replace them.

Weather
Weather conditions can affect a pipe’s life expectancy and conditions as they swell with changes in temperature and ground shifting. If the area in which you live is prone to heavy rainfall, droughts or extreme temperature changes – your infrastructure could be at risk.

Plants
The closer your water and sewer lines are to the ground’s surface and  plants and trees, the greater the chance of roots permeating the pipes. It only takes a small pinhole for a root to begin to infiltrate the line, which may result in a leak, clog or break.

 Cost
What is the cost-benefit ratio? Should you pay a small monthly fee for the warranty or do you have enough in your emergency fund to pay for a repair that could cost from $1,300 to $3,500 or more?

Fine Print
Check out the Terms and Conditions of the warranty. Do they adequately cover your particular situation?

Company
Before buying any product, do your homework; research financial stability, outstanding consumer complaints, etc.

Time
One of the many benefits of participating in a maintenance or warranty program is the ability to make one call to solve the problem. If your service line breaks, consider the time invested in locating a qualified, local plumber and scheduling the visit, which may require taking time off from work and is disruptive to your daily routine.

Should you hire a professional cleaning company after a sewer backup?

woman mother cleaningSewer line breaks result in messes, which require cleanup. While many homeowners may roll up their sleeves to do the work themselves – you may consider hiring a professional cleaning agency that has the appropriate tools and necessary experience. The decision is one of personal choice that involves time, money and the extent to which a homeowner is willing to risk exposure to the health hazards.

While homeowner’s policies don’t cover repairs to a broken or leaking sewer pipe, some might cover the cleanup, so read your policy or call your insurance representative to determine coverage. If your homeowner’s policy provides coverage, it’s highly recommended that a professional restoration service be used. After assessing the extent of the damage, make a list of what you can do yourself and what you may want a professional to handle. This should include a minimum of replacing floor coverings and wallboards, checking the home’s foundation for cracks or splits and pitching any ruined materials or sending them out for professional cleaning. Sewage may have possibly contaminated your heating and air conditioning unit and duct work, so have it professionally serviced.

If you plan to do it yourself, experts suggest investing in professional cleaning gear to protect yourself from germs. This includes protective eyewear, gloves, boots, pants and long-sleeved shirts. Be sure to wear goggles and, if possible, a face mask when hosing off items to protect from back splashing. Remember to never touch contaminated materials with your bare hands and always wash your hands thoroughly after cleanup.

The Connecticut Department of Public Health suggests these tips when cleaning up sewage:

  • Dry the space out, removing all water with a sump pump, wet vac or bucket. Many of these items and more can be rented locally.
  • Control the temperature to improve the evaporation rate and ventilation.
  • Collect and discard properly of all solid waste. Contact your local Health Department for instructions on discarding.
  • Discard carpets, rugs and upholstered furniture. Wallboards or paneling with water stains should be cut above the water line and replaced. Generally, all porous materials contaminated by sewage should be discarded – such as cardboard boxes, paper items, books, magazines, mattresses, pillows, stuffed animals and anything else difficult to clean. Clothing may be salvageable if laundered professionally.
  • Wash all contaminated areas with a detergent solution and then apply a disinfectant (anti-bacterial) or a solution of one part bleach to nine parts water. Disinfectants and/or bleach should be in contact with the items for 15 minutes or more to be effective and then allowed to air dry.

Whenever sewer backups happen, because of the health risks, it’s best to contact a professional restoration company for cleanup to ensure your home returns to its original state.

Call before you dig

Shovel in Dirt

Have you ever started to shovel in your yard and hit something hard? While you might think it’s just a rock or clay – it could be your water, sewer or gas line and accidentally puncturing it could be costly and potentially dangerous. While most utility and service lines are buried several feet beneath the ground’s surface, some areas have very shallow lines, which increase the chances of hitting a utility line located on your property. According to “The Top 5 Home Repairs You Should Never Do Yourself,” homeowners often get into trouble when they attempt to modify a plumbing system, like rerouting, repairing or replacing sewer pipes. Should a homeowner choose to repair or replace a utility line, a utility line location service is available to help determine the location of the lines.

Call Before You Dig is a federally-mandated national program that provides homeowners a utility line location service. By calling 811, the service will provide a locator who will help a homeowner locate the utility lines on their property to keep them from inadvertently hitting an underground line while digging. Even repairing a failed water or sewer line caused by root infiltration could disrupt service to neighbors if a homeowner is unaware that the underground lines on their property are connected to a shared line, which could result in a hefty repair bill and city-imposed fines.

Homeowners can have the utility lines on their property marked for reference – what a great idea! Knowing where the water and sewer lines outside the home are located will enable homeowners to monitor ground conditions for potential leaks or breaks via soft spots, pooling water or foul odors.

Calling 811 is simple from anywhere in the country. The number routes the call to a local call center that works with your local utility companies. Simply tell the agent your address and describe the intended project. Within a few days a locator will mark the approximate position of the pipes, lines and cables at your residence so digging can be done safely or noted for future reference. The locators will use color-coded flags as markers for the appropriate utility line:

  • Red – Electric
  • Orange – Communications and Telephone
  • Blue – Water
  • Green – Sewer and Drainage
  • Yellow – Gas
  • Purple – Reclaimed Water
  • White – Project Site

To contact your local 811 center, visit http://www.call811.com.

How Service Line Warranties of America works with your local government

handshakeHow Utility Service Partners, Service Line Warranties’ parent company, works with your local government. 

Service Line Warranties of America (SLWA) operates under a unique public-private partnership model to give homeowners peace of mind that our program is 100% legitimate and a good value for their money.

With the support of your local leaders, we work directly with the public works department to design a custom set of Terms & Conditions that will meet your line responsibility needs.

Our custom Terms and Conditions help ensure that we offer maximum coverage and low denial rates. Through our partnership, SLWA is able to offer consumers affordable prices for coverage, which would not be possible without the partnership. Additionally, SLWA respects your community, which is why we choose not to engage in mass mailing directly to consumers.

Myths Busted! Water and sewer lines never break

Repair water pipe

A common myth is that water and sewer lines never break. Out-of-sight, out-of-mind – because the service lines usually lie underground and buried beneath our homes, we don’t think about them. Yet, more than 850 water main breaks occur in North America every day according to www.watermainbreakclock.com!  It is only when the water or sewer line fails (clogs, leaks or breaks) that we give them any thought. Often the pipes or lines for which homeowners are responsible – those that run from outside the home to the public utility connection – are generally believed to last for 40, 50 or even 60 years.  Many factors contribute to the useful lifetime of a homeowner’s water and sewer pipes or service lines, some of which include the material from which the lines are made, the weather and soil conditions.

What causes water and sewer lines to fail?
Root Intrusion
Do you often admire the saplings the former property owner planted some 40 years ago? The roots of those now full-grown trees stretch deep into the ground and could very well be permeating the small cracks in your service lines that are as old or older. The roots grow in the direction of the water source to thrive and, once a small opening in the service line is found, will begin to penetrate the line. Roots invading sewer lines could cause clogs and result in raw sewage seeping into the yard, not to mention an unpleasant odor and soil contamination.

Ground Shifting
As a result of ground movement or shifting, water and sewer line joints may become loosened or dislodged, often causing the pipes to crack, misalign or collapse. Once this happens, it becomes an easy entry point for clay and debris, which will eventually cause the line to clog.

Especially susceptible to shifting are the areas along the West Coast and Pacific Northwest when an earthquake occurs. The shifts can be of such magnitude that damages to the public water and sewer lines could hamper the delivery of fresh, clean water to communities for several days.

Weather
We’ve experienced some extreme fluctuations in temperature, drought conditions and record amounts of rain and snowfall during the past few years. These extremes can cause water and sewer line corrosion and accelerated soil erosion, which affects the quality of the lines. A slight change of only 10 degrees in air or water temperatures can cause significant stress on service lines. For example, water temperatures below 40 degrees can cause the pipes to become brittle and air temperatures at or below 32 degrees cause the ground above it to freeze, thereby increasing stress on the line.

The bottom line – water and sewer lines can and will break. Check out some recent examples of water line breaks and the headaches they’ve caused for homeowners and their communities:

Water Main Break Causes Problems For North Hills Residents
Jan 24, 2014 – ROSS TOWNSHIP (KDKA) – A water main break in Ross Township erupted with such great force Friday morning that water was seen shooting out of the ground. Nearly two dozen homes in the area were left without service. It was a busy morning for crews …

Sewer Main Break Causing Massive Traffic Delays
Jan 24, 2014 – The sewer main break near 44 Bedford Street is causing massive traffic delays and may not be completed in time for the Friday morning commute.