Standard homeowners insurance policies do not cover the cost of repairing or replacing a damaged, aging, or collapsed underground sewer line, as routine maintenance and wear-and-tear are considered the homeowner's personal responsibility. However, if you purchased a specific sewer and drain backup endorsement rider, your policy may cover the resulting property cleanup and water damage restoration costs, though underground pipe replacement is rarely included. Verification: Review your specific insurance policy declarations page and contact your claims adjuster to clarify your coverage limits.
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