Are there any reputable companies that cover sewer line replacement or damage to the home if sewer replacement can only be accessed by going through a slab inside the home. My State Farm HO3 policy does not cover inside damage caused by accessing sewer lines. I do have sewer backup coverage for inside but that does not apply here. I do not have thi sewer problem but several of my neighbors have had broken sewer lines in my 30+ year old development. I would like to be proactive and get coverage if it's available.

About The Expert

Amy Bach

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. She co-founded United Policyholders in 1991 and serves as the organization's Executive Director and primary spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. She is a nationally recognized expert on insurance claim and legal matters; frequently interviewed in print and broadcast media, and the author of numerous publications including "The Disaster Recovery Handbook", "WISE UP: The Savvy Consumer's Guide to Buying Insurance" and consumer tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach is in her eighth consecutive term as an official consumer representative to the National Association of Insurance Commissioners, and is a member of the Federal Advisory Committee on Insurance.