The big difference between SWIP (Sewer & Water Insurance Plans) and other programs is that SWIP is not a warranty or opt-in program. It’s a turnkey, customized solution and partnership approach that meets the needs of the homeowner and the municipality.
If you are a homeowner looking for this type of insurance, contact your municipality to ask them to learn more about our program.
In March 2020, SWIP was featured on Municpal Sewer & Water Magazine!
Here are some reasons why municipalities choose to partner with us:
NO WAITING PERIODS
Rest assured that your sewer and water lines will be repaired ASAP.
Neither you nor your residents will be assessed a deductible.
WE COVER ALL REPAIRS
(Up to $15,000) Many programs only offer partial coverage for water and sewer lines.
WE MEET EPA STANDARDS
Repairs meet EPA standards and requirements and help you avoid costly fines.
Many programs exclude preexisting conditions. We don’t.
The Sandy Suburban Improvement District (SSID) in Sandy, UT implemented the Sewer Water Insurance Program (SWIP) in October 2014. SSID maintains approximately:
In the first 6 months after implementing the program:
“Our residents are extremely happy,” says SSID general manager Jerry Knight. “We went with SWIP because of its ability and willingness to customize our program and provide a total solution,” says Knight. The groundbreaking insurance program has allowed SSID to ensure the holistic health of their entire sewer system including assessment, rehabilitation, and repair of all the nearly 10,000 private lateral lines.
SWIP’s groundbreaking insurance plan allows you to ensure the holistic health of your entire sewer system including assessment, rehabilitation, and repair of your municipality’s lateral lines. Thus, we have seen steady growth in the past 3 years.
In 2015, there were 145 total claims and 93 total repairs.
In 2016, there were 166 total claims and 10 total repairs.
In 2017, there were 180 total claims and 103 total repairs (as of October 2017).
How your municipality will benefit?
Sewer and Water Insurance Plans (SWIP)
|Marketed/billed through municipality||Yes - Flexible|
|Individually marketed and billed to residents||Yes - Flexible|
|Can be purchased by municipality||Yes - Flexible|
|Sewer lateral repair limit||$15,000 per year|
|Water lateral repair limit||Avaliable|
|Service charge per call||$0|
|Program scrutinized by insurance policy||Yes - Flexible|
|Improper maintenance/faulty construction||Yes - Flexible|
|Rake and re-seed affected areas||Included|
|Restoring gardens, shrubs, trees, or structures. ($500 per shrub, tree, bush or structure up to policy, sub-limit of $2,500)||Included|
|Restoring private sidewalks, driveways or other surfaces not required by permit||Included|
|Restoring public road, sidewalk required by permit||Included|
|Acts of God: floods, landslides, sinkholes (excluding earthquakes)||Included|
|Loss to unoccupied homeowner over 30 days||Included|
*Other limits available
Evolution Insurance Brokers specializes in providing solutions for your unique lateral line insurance needs. Our success has been built on our reputation as the market’s true solution for hard-to-place risks. We have a unique ability to provide you with custom underwriting expertise and offer innovative solutions when other carriers decline coverage.
If you are a homeowner experiencing a sewer back up problem and your sewer district has enrolled in SWIP, please contact us immediately by calling our 24×7 hotline.