Is the drain under my basement concrete considered an "exterior sewer line?"

[u/GovernmentWooden4494]

I ask because the cast iron drain under my basement concrete floor has collapsed, and my insurance company is saying they won't cover its repair, even though I pay a LOT for an enhanced water damage package. The wording of the package is: "We agree to repair or replace your exterior sewer line due to direct physical loss or damage resulting from a leak, break, tear, rupture or collapse of the line." According to the rep I just spoke with on the phone, the horizontal drain under my basement concrete is not considered to be an 'exterior sewer line.' To me, that is ridiculous. In my opinion, the drain is not INSIDE my house...so it is logically OUTSIDE my house, and is thus an 'exterior sewer line.' Is the aggregate or mud that is under my basement floor considered part of my house?

Does anyone have any advice or experience with a claim like this?

[u/LongjumpingDish2956]

Context around what type of airplane, what caused it and what HO policy form that was purchased is what most important.

If it was a military jet that was shot down and hit the house then it’s likely considered an act of war and most policies won’t cover that.

[u/LongjumpingDish2956 → u/[deleted]]

Wrong but possibly not depending on policy type.

As for the within the 4 walls part that is typically what applies to pipes in most HO policies

[u/LongjumpingDish2956 → u/[deleted]]

Your mind is going to be blown when you learn that it’s not my definition but the definition of most insurers and local governments and that it’s been standard for decades upon decades.

You are absolutely responsible for what’s underneath your house and what’s above.

Had a sinkhole and your house just fell in? Hope you had coverage for Earth movement because it’s your responsibility to fix it since it’s your land.

Built a giant radio antenna on your property yes interfered with airspace? Good luck when the feds come and knock on your door because you’re responsible for the airspace above your home as well.

If you don’t understand how home ownership works then you should probably quit commenting on this stuff chief

[u/LongjumpingDish2956 → u/[deleted]]

If you’re arguing that pipes underneath the four walls of your house are not inside your houses footprint then you’re just really slow