This document provides information about a water and sewer line protection policy that covers repairs and replacements of external water and sewer lines for $7.99 per month. The policy provides up to $5,000 annually for water line repairs and $5,000 annually for sewer line repairs with no deductible. It covers repairs for leaks, clogs, and breaks in external lines. Exclusions include pre-existing issues, natural disasters, and connecting devices like pumps.

1. Your leak insurance solution

2. PROTECT YOUR CLIENTS
Water & Sewer Lines are not covered by most homeowners insurance or
the utility provider.
This has always been a common exclusion that until now we could do
nothing about.

3. Leak detection service $450
Excavation $500 - $2000
Repair $60/hr + parts
Bed, Back-fill, Compact $500 - $1000
Replace Landscaping & Sod $500 -
$1000
Other Possible Costs
 Driveway and/or Sidewalk Patching
 Permits
Minor repairs can cost $1000 to $2000
Major repairs typically run $3500 to $4500

5. Ten year old home
Recent Claim Policy was purchased in
February
On site within 8 hours
Repairs completed within
24 hours
No deductible
No out of pocket expense
for client
Frank and Jackie Shammel
Olympia, WA
“We highly recommend the coverage and
enjoyed the simple and efficient claim process.
Initially we were a bit skeptical but at just $47.88
a year we decided to enroll anyway. As you can
see from the photos, a very nice job and
thousands of dollars saved, thank goodness.”

6. Typical sewer line de-clogging rates for root intrusion cutting.

7. Median Age of Homes
36 YEARS

8. Broken Water or Sewer Lines
vs A Leaky Roof
A leaky roof can be Broken water or sewer
replaced when budget lines MUST be replaced
allows. immediately

9. 24 hour claim response by our contractors.
NWC strives for 100% customer
satisfaction
 Fast - local contractors in your area
 Professional – licensed and bonded
 Quality – Landscape, hard or soft, and
sod replacement is all covered.

10. Water & Sewer policy, just $7.99 per
month
General
Exclusions
 Known Pre-existing conditions
 Natural Disaster
 Property Owner Negligence

11. Policy will pay when you have an
• “Emergency Breakdown” means the sudden failure to the
External Water/Well or Sewer/Septic Services due to
defects in workmanship and/or materials, breakdowns due
to normal wear and tear, or breakdowns arising in the
course of ordinary functioning and usage, which
immediately:
• a) Exposes You to a risk to Your health.
• b) Creates a risk of or damage to Your property or any of
Your belongings normally contained within the property;
or
• c) Makes Your home uninhabitable.

13. • ENROLLMENT / WAITING PERIOD
• This Policy continues for one (1) year, beginning
thirty (30) days from the Effective Date listed on the
Declaration Page, and is billed on a monthly basis.
However, in the first year of coverage You may not
make a Service call within the thirty (30) days of the
Effective Date listed on the Declaration Page. During
that period, if You decide You do not want the
Policy, You can notify Us and We will provide a full
refund of Premium paid.

14. • COVERAGE
• During the Policy coverage term, in the event of a covered Emergency Breakdown, to Your
external Water/Well Service Line, for which You have sole responsibility, from the point at
which it crosses the outer vertical wall of the building on Your property to the point at which
it reaches Your property boundary, You should call the Emergency Service Hotline and,
subject to the limits of liability set forth below, We will:
• a) Arrange for a licensed plumber or licensed service provider to provide a diagnosis of the
problem.
• b) Pay for covered Emergency Breakdown.
• c) Repairs will normally be commenced within 24 hours of Your telephone request for
servicing, subject to Exclusions.
• d) Provide all parts, materials, and labor to repair or replace a leaking or broken Water/Well
Service Line between Your Water/Well provider’s meter, or connection to Your Water/Well
Service Line and Your residential dwelling located on the Property.
• We will determine whether to repair or replace any covered parts. We reserve the right to
select the materials and/or parts to be used in the repair or replacement; however, all such
materials and/or parts will comply with all relevant and applicable laws, regulations, codes,
and standards.
• We will perform all work related to the repair or replacement of the Water/Well Service Line.
Repair or replacement under this Policy includes all excavation, backfill, and removal of
spoils in the area of the repair or replacement.

15. • EXCLUSIONS
• We are not responsible for any of the following:
• a) THAWING OF TEMPORARILY FROZEN PIPES, WHICH HAVE NOT RESULTED IN
AN EMERGENCY BREAKDOWN;
• b) BREAKAGES AND LEAKS YOU ARE AWARE OF PRIOR TO ENROLLMENT
• c) SWIMMING POOLS OR DECORATIVE FEATURES (SUCH AS PONDS, FOUNTAINS
AND ANY ASSOCIATED EQUIPMENT), SPA, SPRINKLER AND FIRE LINE SYSTEMS;
EXTERNAL GUTTERING, STORM DRAINS AND DOWNSPOUTS OR ANY DAMAGE
RESULTING FROM THEIR OVERFLOW;
• d) REPAIR OR REPLACEMENT OR UNBLOCKING OF COVERED PARTS,
EQUIPMENT AND/OR SYSTEMS DUE TO THE GRADUAL REDUCTION IN
PERFORMANCE CAUSED BY NORMAL WEAR AND TEAR WHERE AN EMERGENCY
BREAKDOWN HAS NOT OCCURRED;
• e) COSTS TO CORRECT OR UPGRADE ANY PART, EQUIPMENT AND/OR SYSTEM IN
ORDER TO COMPLY WITH ANY FEDERAL, STATE, OR LOCAL LAWS,
REGULATIONS, ORDINANCE OR UTILITY REGULATIONS; FOR EXAMPLE, WE ARE
NOT RESPONSIBLE IF YOUR CITY MANDATES CHANGES TO EXISTING CODE,
RESULTING IN THE NECESSITY OF MOVING YOUR LINES;
• f) COSTS ASSOCIATED WITH TREATMENT, REMOVAL, RECOVERY, OR DISPOSAL
OF HAZARDOUS MATERIAL;
• g) PAYMENT FOR REPAIR OR REPLACEMENTS OR UNBLOCKING WITHOUT OUR
PRIOR AUTHORIZATION;
• h) REPAIR OR REPLACEMENTS OR UNBLOCKING ARISING FROM
MANUFACTURER’S RECALLS, DEFECTS OR CLASS ACTION SUITS;

17. • i) CONSEQUENTIAL OR INCIDENTAL DAMAGES;
• j) INJURY, ILLNESS, DAMAGE, INCONVENIENCE OR LOSS OF USAGE CAUSED BY
DELAYS, NON-AVAILABILITY OF PARTS, LABOR DIFFICULTIES OR OTHER
CONDITIONS BEYOND OUR CONTROL;
• k) ANY AND ALL COSTS ASSOCIATED WITH A REPAIR VISIT, IF IT IS DETERMINED
THAT COVERAGE UNDER THIS POLICY DOES NOT APPLY, OR NO COVERED
EMERGENCY BREAKDOWN IS DISCOVERED;
• l) COVERAGE ON MOBILE HOMES, RECREATIONAL VEHICLES AND COMMERCIAL
BUILDINGS; MULTIPLE-UNIT DWELLINGS WHERE ONE WATER/WELL SERVICE LINE
SERVES MORE THAN ONE UNIT;
• m) EMERGENCY BREAKDOWN CAUSED BY OR RESULTING FROM ANY NATURAL OR
MANMADE DISASTER, INCLUDING BUT NOT LIMITED TO: INSECTS, ANIMALS, MISUSE,
ABUSE, NEGLIGENCE, VANDALISM, THEFT, WAR, RIOT, MILITARY UNREST, NUCLEAR
ACCIDENT, FLOODING, WATER FLUCTUATIONS, FIRE, HAIL, WIND, LIGHTNING,
EARTHQUAKES, LANDSLIDE, CHEMICALS;
• n) CIRCUMSTANCES OUTSIDE OUR REASONABLE CONTROL SUCH AS EXTREME
WEATHER CONDITIONS, POWER AND/OR SYSTEM FAILURE, INDUSTRIAL ACTION OR
STATE OR FEDERAL AUTHORITIES EMERGENCY DIRECTIVES, DELAYS IN OBTAINING
OR ISSUING PERMITS. FOR EXAMPLE, WE CANNOT BE HELD RESPONSIBLE IF OUR
CONTRACTOR IS UNABLE TO REACH YOUR PROPERTY DUE TO EXTREME WEATHER
CONDITIONS OR IS DENIED ACCESS BY A GOVERNMENT BODY;
• o) FACILITIES, EQUIPMENT, AND APPURTENANCES, SUCH AS PRESSURE-REDUCING
VALVES, HOUSE VALVES, BACKFLOW DEVICES, WATER SOFTENERS, BOOSTER
PUMPS, IRRIGATION AND SEPARATE FIRE SPRINKLER SYSTEMS, HOSE BIBS, AND
OTHER SIMILAR ITEMS;
• p) REPAIRS OR REPLACEMENT DUE TO DAMAGE DIRECTLY OR INDIRECTLY AS A
RESULT OF YOU OR ANY OTHER PARTY WORKING OR EXCAVATING ON YOUR
PROPERTY OR IN THE VICINITY OF YOUR WATER/WELL SERVICE LINE OR INSIDE
PLUMBING OR RELATED FACILITIES;
• q) WATER/WELL PUMP HOUSING AND COMPONENTS, OTHER THAN THE LINE
CONNECTING THE WELL TO THE DWELLING.

18. • LIMITS OF LIABILITY
• Our obligations for a covered Emergency Breakdown are limited to:
• a) $5,000.00 per occurrence $5,000.00 aggregate (maximum) per year.
• b) The Policy will pay $500 per annum to repair or replace
sidewalks/pavement located in a public easement that are damaged due to
Water/Well Service Line repair work by Us. The $500.00 is within Your
limit of $5,000.00. Should sidewalk/pavement repair expenses exceed
$500, it is Your responsibility to pay any additional costs.
• c) We will cover all occurrences in each year of membership, up to the
$5,000.00 aggregate limit
• d) We will not be liable for any incidental or consequential damage,
including damage caused by leaks or by water service interruption.
• e) We will not be liable for any damage to Your property or any other
property unless such damage is the direct result of Our negligence while
providing services.
• f) All work in relation to covered services must be performed by Us with
Our authorization. We will not pay for any unauthorized repair or
replacement of a covered item, including labor and/or materials.

20. • CUSTOMER’S DUTIES
• We will not pay for any Services performed without Our prior approval.
Notice of any Emergency Breakdown must be given to Us upon discovery
and during the coverage term.
• In the event of an Emergency Breakdown under this Policy, You must:
• a) Call the 24 hour Emergency Service Hotline immediately at
[800-790-3201].
• b) Cooperate and assist Us in any matter concerning a covered Emergency
Breakdown.
• c) Provide the licensed plumber or licensed service provider with access to
Your property.
• d) You must take every reasonable precaution to protect the property until the
necessary repair or replacement or unblocking is authorized by Us and the
work is completed.
• e) You will not have to complete any claim forms. You will need to sign a
form to confirm that repairs have been completed. We will make payment
directly to the licensed plumber or licensed service provider after the work is
completed. In some cases, it may be necessary for You to pay for the Service
call, in which case, We will reimburse You when We receive Your paid
invoice(s) and process Your payment.

21. • RESPONSE TIME
• We will respond to requests for service 24 hours per day, 7
days per week. Within the constraints of weather,
emergency conditions, workload, and staffing levels, We
will make every attempt to perform repairs on or
replacement of Your Water/Well Service Line within 24
hours of notification of a leaking or broken Water/Well
Service Line.
• However, We will not be responsible for delays beyond
Our reasonable control. In the case of an unsafe condition,
which will be determined solely by Us, We will not be
required to provide service under this Policy for Your
Water/Well Service Line until the unsafe condition is
corrected.

23. • WARRANTY
• We will repair or replace Your Water/Well
Service Line so that it will be suitable for
residential water service. All repairs or
replacements will have a warranty of one
year. During the warranty period, if the
repair or replacement does not conform to
this warranty, We will make the necessary
correction. All corrected repairs will be
similarly warranted.

24. Getting information to the client
• “Water and sewer lines that run from your house to the street have
always been a common exclusion on homeowners policies and we just
recently contracted with a company to cover the exclusion. This new
policy gives you $5000 in annual coverage for water and $5000
annually for sewer line repairs with no deductible.”
• “Coverage is only $8 a month or $96 for the whole year and is separate
from your HO policy so claims on this policy have no impact on your HO
claim status.”
• “It's excellent coverage and I highly recommend it especially on homes
where the service lines are older.”
• “We can get this done right now over the phone for you if you want.”
• * This is not really a “sales pitch” but information you are getting to your
clients. Complete soft sell touch. You are letting them know of the
exclusion and the solution. What they decide to do with the information is
completely on them. We aren't working through the “NO”s or
overcoming objections. If they say “no” then you've still done your job
and you can wish them a good day.

25. QUESTIONS AND ANSWERS
What does this cover?
– Water and/or Sewer line from foundation to the property boundary
– Septic line from foundation to the tank
– Water line leaks
– Sewer line clogs
– Pipe repair or replacement
– Landscape repair and sod replacement
– All costs associated with repair/replacement with $0 deductible up to $5000 annual coverage for
water, up to $5000 annual coverage for sewer.
What is excluded?
– Connecting devices to the water line such as pumps, backflow devices, etc…
– Natural disasters such as flooding, earthquake, acts of war, etc…
– Pre-existing leaks, clogs, or non functioning pipes that the customer was aware of prior to
enrollment.
– Sump pumps
What if I don’t live there full time or on extended vacation?
– Covered
Rental homes?
– Covered (Billing address must include the property owner’s billing address)

26. Duplexes?
– If the duplex is serviced by on water line and one sewer line, customer is eligible with one policy.
– If duplex is serviced by more than one water line and/or sewer line, a separate policy is required for each serviced
address.
Can coverage be purchased if I live in a mobile home?
– Mobile home can be covered if on a full, solid foundation and home owner is also the property owner (no parks).
My water/sewer lines cross my neighbor’s property. Where does coverage end?
– Your coverage continues because this is continuation of your property through legal easement Coverage is in effect
until the point at which it crosses from your easement to public property or connects to neighboring service.
Shared private or community well?
– Refer the customer to NWC when there are three or more users.
What if customer has more than one water or sewer line?
– Policy will covers one water and one sewer line if purchased as a package. Additional lines require additional policy.
What contractors do you use?
– All contractors are local, licensed, bonded and in good standing. Contractors are vetted by NWC’s strict standards.
Is traveling time and mileage included in the policy limit?
– Yes.

27. What if the claim exceeds the coverage limit of the policy?
– It is rare considering the volume and buying power of NWC and the low pre-contracted rates that
NWC has negotiated with approved contractors, but NWC is only responsible up to the policy
coverage limit. Any amount over the limit would need to be paid to the contractor by the customer.
Will you reimburse me if I use my own plumber?
– Policy requires the customer to contact NWC prior to any work being performed. All work
performed must be approved by NWC claims department. If the customer requests a particular
plumber, NWC will consider the customer’s request pending the contractor meets NWC standards
and rates can be agreed upon prior to work performed.
Does the policy reimburse for lost water charges on the water bill?
– No, but be aware that most municipalities allow a 50% one time reimbursement for overages due to
water leaks.
Is the septic tank, drain field, or well covered?
– No. The septic line from the foundation to the tank is covered. The water line from the well casing
to the foundation is covered excluding all tanks, switches, or other hardware controlling the
performance of the pump.
What if I don’t want automatic billing?
– NWC, at the customer’s request, can send an annual bill to allow a customer to send in annual
payments. Monthly premiums are not eligible for paper statements. This is due to the extra costs
associated with paper billing. All transactions are processed electronically.