Sewer lines have a lot of things that can cause them to get destroyed, and when they're destroyed, they can need repairs. It's common to hear about the need to replace sewer lines after a major flood or earthquake. However, not all issues with sewer lines are covered by your policy. Insurance companies do not cover replacements of home parts that were broken as a result of negligence, poor repairs, or intentional breakage. Insurance adjusters will check your home over to make sure that your sewer lines weren't clogged with things that shouldn't be flushed before they approve your claim. If they find tampering, they might deny you. On a similar note, you also won't get your replacement covered if the part of the sewer line that was severed isn't within your property's boundaries. That could be a municipal problem.