What is lateral insurance and what does it cover?

The Sewer and Water Insurance Plans (SWIP) is a plan initiated by Sandy Suburban Improvement District that covers the cost of repairing or replacing a damaged lateral sewer line, the small pipe that runs from your home to the main sewer collection line in the street. This has previously always been the complete responsibility of the homeowner. The program is provided at no additional cost to customers.

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1. What do I do if I have a sewer back-up at my home?
2. What is lateral insurance and what does it cover?
3. Does it cover my sewer backup?
4. Do I need to enroll in the SWIP program?
5. Will the SWIP program result in raising my sewer rates?
6. Will I have any out-of-pocket expense to replace or fix my lateral sewer line?
7. What exactly is covered by this insurance program?
8. What if my lateral line doesn’t need to be replaced? Will the insurance plan pay for repairs or maintenance?
9. Does it cover catastrophic damages?
10. Will it cover the clearing out of tree roots from the lateral sewer line?
11. Why is Sandy Suburban offering this program at no cost to me?
12. What do I need to do if I experience a problem with my lateral sewer line?
13. Who will do the work if my lateral line needs to be repaired or replaced?
14. What if I experience additional problems after repairs are made?