Water Lines as Structures Attached to the Dwelling

November 22, 2011

Underground tree roots the insured's water line and sewer lines, which are connected to the dwelling, when wind blew over a tree. These lines were also underground. The insured has made a claim for the repairs to these lines under the DP-1 policy. Can these attached lines be considered part of the dwelling?

Tennessee Subscriber

 The DP 01 includes structures attached to the dwelling as part of the dwelling; the pipes are part of the dwelling as long as they are connected to the plumbing system. Therefore, they should be covered due to damage from the tree that was felled by the wind.