Water and Sewer Lines: Do They Need Insurance?
You may have recently received a direct mail solicitation from one of
the various companies offering Water and/or Sewer Service Line Insurance
Coverage. Understandably, these letters have sparked a number of calls
from concerned citizens with questions ranging from what are the
customer's responsibility for service lines to what is the likelihood of
a service line failing.
While Evergreen Metro District cannot advise anyone on the need for this
insurance coverage, we do offer the following information to help
interested citizens assess if the cost of the premium is a good
Water Service Lines (waterline from the water meter or outside shut-off
valve to the building)
The property owner of a building is responsible for the water service
line and the water line throughout the home starting with the water
meter pit near the street. In some newer sections of town, where the
meter is located inside the home, the owner’s responsibility starts at
the curb stop or property line. The District is responsible for the
service line from the meter pit or curb box to the water main in the
street. Most water service lines are heavier gauge copper, with a life
expectancy of at least 75 years.
Sewer Service Lines (sewer line from the sewer
main to the building)
The sanitary sewer service line is also the responsibility of the owner.
This includes the portion of the service line under the sidewalk and
street up to the connection to the District’s sewer main
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. Before
enrolling in any warranty service, residents should check with a local,
trusted plumber about what types of problems could occur to their
outside pipe lines and how likely they might occur.
Always read and understand a contract before signing. There may
be exclusions which limit the types of repairs or the dollar amount for
If you would like additional information on your service lines please
call our Administrative Office at 303-674-4112 or email your request to