Tree roots have damaged a sewer pipe under my bathroom. This seems to be a frequent occurrence. I read my insurance policy thoroughly and was frustrated to see that nowhere in its 48 pages does it mention this eventuality. So I telephoned them and asked if I was covered. I was told that my policy did not cover sewers under my house. I pointed out that the definition of a house in the home insurance policy included the sewers.
N S (Costa Blanca)
There is no problem here of tricky small print in the insurance contract. I am sure it says the policy covers what is mentioned. This has to mean all other items are excluded. Tree roots blocking your drains are such a common event they are excluded. This is partly because, if the roots come from outside, they caused the problem and should be responsible. If the trees are yours, then it is your responsibility, not an outside event. If you feel unfairly treated, insurance companies have a ‘Defender of the Client’ to hear your complaint.