Third Party Water And/or Sewer Service Line Coverage

Over the years the City staff has received a number of calls from concerned citizens about mailings from various companies offering Water and/or Sewer Service Line Coverage. These questions have ranged from the customer's responsibility for the service line to the likelihood of the water service line failing.

The City cannot advise anyone on the need for this insurance coverage. We do offer the following information about water and sewer service lines:

Water Service Lines

All customers connected to the municipal water system are responsible for the water service line into and throughout their home, starting with the water meter pit. In some older sections of town where the meter is located inside the home, the owner’s responsibility starts at the curb stop or property line.

Most water service lines consist of copper pipe. The pipe buried outside is made out of heavier gauge copper, with a life expectancy of 75+ years. Plastic pipe was allowed for a few years in the mid-1970’s and a few hundred homes may have a plastic water service line. City staff has not found a performance difference between the plastic and copper materials.

Sewer Service Lines

All customers connected to the municipal sanitary sewer system are responsible for the sanitary sewer service line from the City mainline into and throughout their home. This includes the portion of the service line under the sidewalk and street. The sewer service line only benefits the connecting building, so the responsibility of maintaining the service line remains with the building’s owner.

The most common problem with a sewer service line is a build-up of grease or the intrusion of roots. If you sometimes experience a backup in your sewer service line, a routine maintenance program may be beneficial to prevent an unexpected backup problem.

Always read and understand a contract before signing. There may be exclusions which limit the types of repairs or the dollar amount for repairs. Before you commit to the fees associated with such coverage, please keep in mind that the coverage you purchase may have exclusions based on pre-existing conditions, caps on coverage or limit your choice of contractors to complete repairs. Do your homework before deciding to purchase insurance or warranty coverage.

If you have any further questions, please call 720-898-7760 or you may also submit a service request for this item in the 'Make a Service Request' in the Related Links on the right.