A Sewer line should last between 50 to 60 years for clay sewer pipes and for PVC pipes the PVC sewer lines should last 100 years or even longer.
You should clean out your sewer line every 18 months to 22 months.
However you can clean your sewer line out every 12 months if you want too or more often but most sewer lines only need to be cleaned every 18 to 22 months.
The correct slope for a sewer pipe is 1/4 inch per foot which allows the sewage to drain properly using the force of gravity.
Every foot the sewer pipe travels it should have a slope or drop of 1/4 inch vertically.
A belly in a sewer line is a sag or downward bent section of the sewer pipe.
A properly functioning sewer line should have a slow that uses the force of gravity to keep the sewage flowing through the pipe.
The sag in the sewer pipe prevents the sewage from draining properly.
Tree roots can penetrate PVC pipe as the tree roots can put pressure on the PVC pipe and crack it open and allow the tree roots to get in through the PVC pipe.
Copper Sulfate is what dissolves tree roots in sewer lines.
Flushing a half cup of copper sulfate crystals down your toilet can help dissolve the tree roots in the sewer lines.
Homeowners insurance does not cover roots in sewer lines or sewer line repairs due to tree roots.
You would have to pay out of pocket for sewer line repairs and tree root removal from the sewer lines.
A sewage backup is not covered by homeowners insurance.
The sewage backup as well as damaged caused by the sewage backup is not covered under homeowners insurance.
Although if you have optional coverage for the sewage backup then homeowners insurance will usually cover the sewage backup but not the standard homeowners insurance.
The amount you should be paying for your homeowners insurance depends on the value of your house and your location.
On average a person with a $250,000.00 house pays around $1,833.00 per year.
On a house that $150,000.00 or less in value you may pay only $1,000.00 to $700.00 to $800.00 per year.
For a quick estimate of the amount of homeowners insurance you need, multiply the total square footage of your home by local, per-square-foot building costs.
(Note that the land is not factored into rebuilding estimates.)
Some ways to lower your homeowners insurance premiums are to bundle homeowners insurance with auto insurance, raise your deductible, Make your home more disaster resistant, Improve your home security, Seek out other discounts.
The cheapest home insurance is through Geico, Progressive, USAA, State Farm, Erie and Nationwide Insurance.
Some ways to lower your home insurance cost are.
Shop around.
Raise your deductible.
Don't confuse what you paid for your house with rebuilding costs.
Buy your home and auto policies from the same insurer.
Make your home more disaster resistant.
Improve your home security.
Seek out other discounts.
Bundle your home insurance with auto insurance.
You should get homeowners insurance when you're purchasing a home or if you already own a home.
When buying a home and getting a mortgage the lender will require homeowners insurance to be on the home.
You'll need to purchase and get a homeowners insurance policy before closing on the home.
If you already own the home it's also a good idea to have homeowners insurance to protect your purchase.
Without homeowners insurance you will not be able to replace the lost home as easily as they are expensive but with homeowners insurance it will cover damage to the home and even total loss of the home.
You can purchase a homeowners insurance policy at any time during the closing process.
However, it's recommended you have it in place at least a few days prior to your closing date.
Therefore, you should start searching for a policy at least two to three weeks before closing.
The first step in selecting a homeowners policy is figuring out how much insurance you actually need.
There are several individual costs you'll need to break down to get an accurate estimate.
The most important figure to consider is how much money it would take to rebuild your home if it was completely destroyed.
If you own a home, it's probably the largest asset you have, which is why it's a good idea to insure it.
Homeowners insurance protects your home and the belongings inside it from loss or destruction.
It can also provide financial protection if someone is injured on your property.
Homeowners insurance policies generally cover destruction and damage to a residence's interior and exterior, the loss or theft of possessions, and personal liability for harm to others.
Three basic levels of coverage exist: actual cash value, replacement cost, and extended replacement cost/value.
You may be approved for a mortgage, but only on the condition that you arrange appropriate insurance cover ahead of the purchase.
Timing is crucial when it comes to moving house, especially if you're in a chain.
You don't want to do, or forget to do, anything that could hold things up.
The 3 main types of homeowners insurance include.
HO-1: The most basic and limited type of policy for single-family homes, HO-1s are all but nonexistent nowadays.
HO-2: A more commonly used policy and a slight upgrade from the HO-1.
HO-3: The most common type of homeowners insurance policy, with broader coverage than the HO-2.
A standard policy includes four key types of coverage: dwelling, other structures, personal property and liability.
If your home is damaged by a covered event, like strong winds, dwelling coverage can help pay to repair it.