Return to the Plumbing Forum | Post a Follow-Up

 o
Septic tank collapse-Homeowner's Insurance claim?

Posted by roguebabe (My Page) on
Tue, Mar 13, 07 at 12:25

After a 10 inch snowfall the ground collapsed above our septic tank. The septic tank has also collapsed, though we currently are not having problems inside the house. (Knock on wood.) We have been told that this may be something that our Homeowner's Insurance would cover. Anyone had any experience filing a claim with their Homeowner's Insurance for a septic tank collapse? My insurance agent was not at all familiar with septic tanks and made calls to more experienced agents. They said to file a claim, so we have. Our insurance company is sub-contracting the claim out to another company. This company is scheduled to come out late this week. Anyone have any experience with this or thoughts on how we should handle the claims adjuster?


Follow-Up Postings:

 o
RE: Septic tank collapse-Homeowner's Insurance claim?

10 inches of snow did not collapse your septic tank. you had problems before that were weakening it.


 o
RE: Septic tank collapse-Homeowner's Insurance claim?

i agree with xracer its doubtful snow caused the collapsed. the adjuster will most likely send an expert out to examine how the septic collapsed. insurance usually covers accidents which are sudden an unexpected. this sounds like a maintenance/wear&tear issue which is not covered.

good luck


 o
RE: Septic tank collapse-Homeowner's Insurance claim?

Hi - my septic tanks collapsed but due to poor backfill from the excavator, not snow. Your excavator should warrant his work for at least a year. Your tanks should have a 5 year warranty. Good luck


 o
RE: Septic tank collapse-Homeowner's Insurance claim?

Let's see now. This is the third post about this same tank.

Seems to me that this is a very old tank and the tile field also needs replacing, correct?

If that's true, then why do you think that your insurance company should buy you a new tank? All things wear out, including septic tanks and tile fields. if your roof starts to leak due to shingles that are bad due to old age, should your insurance company pay to re-shingle your roof? What about your car? When you have put 200,000 miles on it and the engine hasn't enough compression to start, should the insurance company buy you a brand new car?

You want to know how to handle the adjuster? Take a chair outside so he has something to fall into while laughing his butt off at your uadacity in thinking you have a legitimate claim.


 o
RE: Septic tank collapse-Homeowner's Insurance claim?

I had frost push a foundation wall in years back. I got the same answer that MNK posted..."had to be sudden and unexpected." Frost took a week or two to push in the wall and that wasn't sudden enough for the inusurance company.


 o
RE: Septic tank collapse-surance claim?

As a thought...we had dozens of barn and house roofs fall in this year in Vermont from snow loads. As I understand it, insurance companies are covering some of these.


 o
RE: Septic tank collapse-Homeowner's Insurance claim?

Any septic tank that cannot withstand the weight of even four feet of snow on top of it would not be approved in the first place. Secondly, the OP has never revealed as to whether this is a concrete tank or a steel tank or how old the tank actually is.

Snow loads that exceed the tables in the local building code would be considered a peril within the spirit of insurance. However, adjusters are going to be looking very closely at some of those barns to see if they were well-maintained or not. Wood supports that were rotted out will likely cut back the amount the insurance company will pay.


 o
RE: Septic tank collapse-Homeowner's Insurance claim?

I would suspect that there was frost in the ground long before they got the 2' snow fall. When the ground is frozen you can barely crack through it with a backhoe..I don't believe it would even be possible to break through with snow load.


 o
RE: Septic tank collapse-Homeowner's Insurance claim?

My experience has been that there is enough heat generated inside a properly working septic tank to prevent any frost from forming in the area immediately above and around the tank. Between the warmth of incoming water from showers, cooking and laundry plus the heat from the natural digestive process of the waste in the tank, frost is usually a non-issue.

Regardless of frost or no frost.... I'm not buying into 10 inches of snow as being the fault of this tank failing.


 o
RE: Septic tank collapse-Homeowner's Insurance claim?

wait until next month when your insurances cancels you and you go on the Choicepoint blacklist for frivolous claims. you won't be able to find affordable HOI and will wish you had just paid to fix it.


 o
RE: Septic tank collapse-Homeowner's Insurance claim?

You can search the Public Adjuster in your local area in this website. By entering your city name, you can get the details.

http://www.publicadjustersearch.com

Here is a link that might be useful: PublicAdjusterSearch


 o
RE: Septic tank collapse-Homeowner's Insurance claim?

I don't know why your septic tank collapsed, but it wasn't because of snow. Is it possible your car drove over it? I do see vehicles crush them pretty often. Vehicle damage is generally covered under homeowners policy, subject to your deductible.


 o Post a Follow-Up

Please Note: Only registered members are able to post messages to this forum.

    If you are a member, please log in.

    If you aren't yet a member, join now!


Return to the Plumbing Forum

Information about Posting

  • You must be logged in to post a message. Once you are logged in, a posting window will appear at the bottom of the messages. If you are not a member, please register for an account.
  • Please review our Rules of Play before posting.
  • Posting is a two-step process. Once you have composed your message, you will be taken to the preview page. You will then have a chance to review your post, make changes and upload photos.
  • After posting your message, you may need to refresh the forum page in order to see it.
  • Before posting copyrighted material, please read about Copyright and Fair Use.
  • We have a strict no-advertising policy!
  • If you would like to practice posting or uploading photos, please visit our Test forum.
  • If you need assistance, please Contact Us and we will be happy to help.


Learn more about in-text links on this page here