How Much Cover Does A Septic Tank Need? (Solution found)

Even if it is only 10%, that should be enough to cover the costs of repairing or replacing a septic tank. We found people generally pay between $5,000 and maybe as high as $30,000 to replace or repair their tank. If you have at least a $300,000 policy, you will likely be adequately insured.

How do you size a leach field?

A typical septic drainfield trench is 18 to 30 inches in depth, with a maximum soil cover over the disposal field of 36″; or per the USDA, 2 feet to 5 feet in depth. At REFERENCES we cite these sources. One may also ask, how long does a septic drain field need to be?

How deep should a septic tank lid be?

Dig Up The Lids In most cases, septic tank components including the lid, are buried between 4 inches and 4 feet underground. You can use a metal probe to locate its edges and mark the perimeter. If you do not find the lid by probing, shallow excavation with a shovel along the tank’s perimeter should reveal the lid.

Should a septic tank lid be covered with dirt?

A septic tank stores the solids from drains and needs to be pumped out about every two years, so it’s not a good idea to cover the area — you need to always be sure where to find the tank. Modern septic systems have an 8-inch plastic pipe that rises from the tank to a few inches above grade.

How much dirt should be on top of a septic tank?

Each layer should be uniform, no greater than 24 inches thick, and of nearly equal heights around the perimeter of the tank. However, compaction under the haunch (bottom curvature of some tanks) is best done in 6- to 12-inch layers.

Should you cover your septic tank?

You should cover your tank up with something that can be easily moved when you need to move it. Animals Need to Stay Away from Your Septic Tank System: Keep animals away from your septic system. It is not a good idea to grow a vegetable garden to cover up your septic tank pumping system though.

How many lids are on a septic tank?

A septic tank installed before 1975 will have a single 24-inch concrete lid in the center of the rectangle. A two-compartment tank installed after 1975 will have two lids of either fiberglass or polyethylene, centered at opposite ends of the rectangle.

How do u know your septic tank is full?

Here are some of the most common warning signs that you have a full septic tank:

Your Drains Are Taking Forever.
Standing Water Over Your Septic Tank.

Bad Smells Coming From Your Yard.
You Hear Gurgling Water.
You Have A Sewage Backup.

How often should you empty your septic tank?

Do septic tanks need to be airtight?

Septic tanks need to be watertight. The riser should be sealed to the top of the tank and the riser cover should be sealed to the riser with butyl rubber or some other flexible sealant. No liquid should enter or leave the tank.

What can I use to cover my septic tank?

The Do’s For Hiding Your Septic Tank

Plant tall native grasses with fibrous roots around the opening to conceal the tank lid from view.
Place a light statue, bird bath or potted plant over the septic lid.
Septic tank risers and covers are an alternative to concrete and blend into green grass.

Should I install a riser on my septic tank?

Having a riser in place can also significantly reduce the cost of septic tank maintenance over time through the ease of access and time on the job saved. Plus you will be spared digging up your lawn every time as well.

Why is the ground soft around my septic tank?

The presence of healthy, lushly growing plants around your septic tank or along the route of your drainage lines indicates wet areas, as does a spongy or damp feel to the ground. Excess moisture might mean that your tank is full or that your drainage pipes are damaged.

How far apart are septic tank lids?

The distance between lids will be different for each sized tank: 1000 gallon tank = 6-6.5 ft.; 1250 gallon = 7-7.5 ft.; 1500 gallon = 8.5-9 ft.. Dig up the outlet chamber access lid. If you are extraordinarily lucky, the as-built drawing is accurate and you have hit the lids spot on.

Do septic tanks have lids?

If your septic tank was installed after 1975, it will probably have two polyethylene or fiberglass lids centered at opposite sides of the perimeter. Older tanks will typically have a 24-inch concrete lid right in the center of the tank. Excavate in those locations to reveal the lids.

What do septic covers look like?

During the search, keep an eye out for a circular lid approximately two feet wide. Septic tank lids are typically green or black plastic; sometimes they are made of concrete. It’s not always easy to find the lid, though, as unkempt grass, dirt, or debris can conceal the septic tank lid.

Septic warranties: what they cover and how much they cost

Home»Picks»Guides»Finance» Septic warranties: what they cover and how much they cost are covered in this article. Content from our partners: It was authored and researched independently of the MarketWatch newsroom by a business partner of Dow Jones, and it was published on the company’s website. It is possible that we will receive a commission if you click on one of the links in this article. Read on to find out more When things are going smoothly, septic systems aren’t given much care, but when anything goes wrong, it’s critical to have them repaired as soon as possible to keep your peace of mind.

For a limited time period, most septic systems are guaranteed by a manufacturer’s warranty, which covers things like manufacturing faults in the device.

The manufacturer will repair or replace your tank if it fails during the first year of installation as long as the tank was fitted correctly.

House warranty plans can help you extend the life of your septic system by sending a professional to your home after an unexpected breakdown or malfunction, but they are not always worth the money spent on them.

Septic system coverage with home warranties

Septic coverage is often available as an extra add-on with most home warranty programs. You may add septic system coverage to your home warranty for a few dollars more each month after you’ve purchased your home warranty. A house warranty may cover more than just your septic system; it can also cover your home’s most vital appliances and systems, which can save you money over time.

What’s included with a home warranty’s septic system coverage?

As an example of what is covered by a septic system add-on, we selected sample contracts from three different house warranty companies — American Home Shield, Choice Home Warranty, andSelect Home Warranty— in order to compare and contrast the coverage offered by each. We’ll go through the specifics of each company’s coverage in more detail below: American Home Shield Insurance Company The following are the specifics of American Home Shield’s coverage for septic pumps: Structural blockages in a mainline that can be addressed using an existing access or clean out without the need for excavation Once during the contract coverage period will be performed in the event that the cause of the halt is a backup of septic waste.

Sewage ejector pump for use exclusively with a septic system Home Warranty of Your Choice The following items are covered under septic coverage provided by Choice Home Warranty: Pump for sewage ejection Pump with a jet stream Pumping up the heart rate with aerobics Septic tank and line leading to the house Choose Home Warranty from the drop-down menu.

Septic warranty cost

The fact that septic system coverage is typically only offered as an add-on with a house warranty means that you’ll need to obtain home warranty coverage first. Property warranties typically cost between $30 and $60 a month on average, depending on the type of coverage you choose, your region, the provider you choose, and the size of your home. In accordance with sample quotations received by our staff, the following is the cost for septic coverage via American Home Shield, Choice Home Warranty, and Select Home Warranty:

Among the monthly fees are American Home Shield ($4.17 per month), Choice Home Warranty ($10 per month), and Select Home Warranty ($5.83 per month).

Because not all warranties are created equal, we recommend obtaining sample quotations from each supplier and assessing the advantages and disadvantages of each. The amounts of coverage and exclusions offered by different firms may differ, so it’s crucial to conduct your own research while prioritizing your requirements.

Bottom line

Despite the fact that a manufacturer’s warranty can provide some protection for your septic system, a home warranty that includes a septic system add-on provides a more complete degree of protection. Home warranties cover the cost of damage to numerous systems and appliances that occur as a result of normal wear and tear, and homeowners may choose from a variety of coverage options to meet their specific needs. In the case of homeowners seeking for a septic warranty, we recommend starting with free quotes from home warranty providers and assessing your alternatives after you have received cost information.

Frequently Asked Questions

What is the cost of a service call? A service call charge is the deductible for your home warranty, and it must be paid at the time of repair or replacement. It should be included in your budget because you will be required to pay it each time you make use of your house warranty. If you request a septic tank repair and the work is covered by your insurance, you will only be responsible for your service cost. Does a septic warranty cover the cost of trash removal? In most cases, no. It is worth noting that none of the three firms on our list provide garbage disposal services, so you may need to look for another provider if you need to get rid of your waste. After acquiring a warranty for my septic system, how soon may I seek service for my system? Among the major home warranty companies, American Home Shield, Choice Home Warranty, and Select Home Warranty all have a 30-day waiting time before service may be accessed
This is the industry norm.

Methodology

Our consumers rely on us to deliver impartial and reliable information; as a result, we develop a comprehensive grading system that is used to compile our rankings of the finest home warranty providers. A wide range of rating elements are taken into consideration, and we collect data on dozens of home warranty providers in order to grade the firms on each factor. The final result is a cumulative score for each provider; the organizations with the highest cumulative scores are at the top of the list.

In addition, we examine example contracts to have a better understanding of what each plan covers and to identify any limits that may exist.

Once we’ve gathered all of the pertinent information, we’ll use the following grading methodology to provide a letter grade to each home warranty business on a range of one to one hundred:

Companies that offer a choice of plan alternatives are more likely to be able to satisfy the demands of their customers (25 points potential). As a result, we give more points to suppliers who provide a broader variety of options and better flexibility. There are 25 points available for cost considerations. Monthly fees and service charges are taken into account. It is more important to have a modest cost than a good score. Trust (out of a possible 25 points): We examine consumer comments on third-party review sites to determine the reputation of each organization. We subtract points from firms who are presently or have previously been the subject of civil actions, including Providing excellent customer service (10 points is achievable) The timeliness, friendliness, and helpfulness of a company’s customer service personnel are considered in determining this factor. State of availability (up to 5 points) is as follows: The majority of home warranty providers do not provide coverage in all 50 states of the United States. The highest-scoring providers in this area are those who provide service in the most states. Customers may be more interested in a home warranty if it offers additional advantages (5 points are possible): Promotions and discounts are among the perks that might make it more appealing to them. Companies who provide benefits that their rivals do not receive are given extra points. Detail on coverage (5 points available): While the overall number of plan options is significant, it is equally crucial to analyze the specifics of what is included under each of the plans. Better coverage is achieved by providing thorough coverage.

Does Homeowners Insurance Cover Septic Tanks?

If you have a septic tank in your house, you are most likely eager to prevent having any problems with it in the future. Not only are plumbing problems annoying, but septic systems can also be quite expensive to fix if they are not maintained properly. The good news is that if you have a problem with your septic tank that you could not have anticipated, your homeowner’s insurance may be able to pay the costs.

Repairs or the cost of replacing your septic system may or may not be covered by your insurance policy, depending on the conditions that led to the damage and the amount of coverage available under your policy for this component of coverage.

When part of a home insurance would cover septic tank damage?

Septic tanks are technically covered by your homes insurance policy under the other constructions coverage section of the policy. This is the section of your insurance policy that covers things on your property that are not attached to your home, such as a gazebo, shed, detached garage, fence, in-ground swimming pool, and, in many cases, your septic tank. It also covers things like a gazebo, shed, detached garage, fence, and in-ground swimming pool. Typically, house insurance plans provide coverage for other structures equal to 10 percent of the value of your primary residence.

In the event that your septic tank is destroyed by one of the perils specified in your policy, your other buildings coverage will pay for repairs or a complete replacement.

You can better understand which conditions might apply if your septic system is damaged or destroyed by reviewing your insurance coverage.

Review our guide to insurance dangers for assistance in determining exactly where you are covered.

What damage to your septic tank is generally covered?

While there are many various types of house insurance policies, most will cover septic tank damage, up to the policy limits, if it is caused by one of the following:

Fire: If a fire causes any damage to your septic system, it is possible that the costs of repairs will be covered by your insurance coverage. If someone purposefully destroys your septic system as a result of vandalism or if your septic system is destroyed as a result of civil disturbance, it may be covered by your insurance coverage, depending on the circumstances. Hail, windstorms, and lightning: Septic tank damage arising from any of these storm types is likely to be covered under your insurance policy. Explosions: The majority of homes insurance plans include coverage for damage caused by explosions. Your insurance would kick in to pay the cost of repairs if this had an impact on your septic tank or pipes, for example.

What damage to your septic tank is not generally covered?

It is possible that you have observed from the preceding list that homeowners insurance is most likely to cover septic tank damage that occurs as a consequence of a sudden and unexpected catastrophe. Your home insurance policy may or may not provide coverage for damage caused by septic system problems caused by normal wear and tear or a lack of routine maintenance. In other words, if you allow a neighboring tree to grow roots into your septic tank or habitually flush nonbiodegradable objects into your septic tank, you may be unable to receive a home insurance claim for the repairs to the areas that have been harmed.

If you live in a location where floods and earthquakes are prevalent, one option to ensure your financial security is to get a separate flood and earthquake insurance policy.

What coverage options are available for septic tanks?

In order to further limit the likelihood of unexpected expenditures associated with your septic system, inquire with your insurance about the following extra coverages:

Service line coverage

When it comes to service lines that connect to and exit from your property, including the pipe that feeds your septic tank, you are solely liable as the homeowner. You may add a service line coverage endorsement to your home insurance policy for a minimum additional fee to your policy, depending on the insurance company you choose. These pipes, as well as your other water and sewage pipelines, as well as your electricity lines, internet cables, and natural gas lines are all covered by this insurance policy endorsement.

The primary advantage of service line coverage is that it provides coverage for a wider range of scenarios than normal house insurance. It can cover things like wear and tear damage, corrosion, and damage caused by tree roots, among other things.

Water backup coverage

A septic backup may be a nasty surprise in your house or on your land, and it’s best to avoid it. Unfortunately, house insurance endorsements are one method of protecting yourself financially in the event of a disaster such as this. Water backup coverage, often known as “sump pump coverage,” is a homeowners insurance endorsement (i.e., optional policy add-on) that pays for repair or restoration costs if water backs up into your house due to a malfunctioning sump pump or other source.

How to take care of your septic tank

Despite the fact that water backup and service line endorsements might help you avoid some of the expenditures involved with septic tank repairs, it is your obligation to ensure that your tank continues to function at its peak performance. This implies that you should avoid flushing or dumping the following objects down the toilet or down the sink:

Oils
Solids such as cigarette butts, paper towels, coffee grinds, and feminine hygiene items

And liquids. Grease/fat
sStains/paints
Chemicals used in the home

Making certain that no cars drive over the septic system or its drainfield is also a smart practice. Keep a watch out for surrounding trees whose roots may reach into the septic lines, and check to see if the tank is receiving adequate drainage. The Environmental Protection Agency (EPA) recommended that you get your septic tank examined every few years and drained every three to five years. It also implies that utilizing water effectively reduces the load on your septic tank, allowing it to operate at its best for a longer period of time.

FAQs

In addition, it is excellent practice to ensure that no vehicles drive over the septic system or its drainage field. Observe the area for any surrounding trees whose roots may grow into the septic lines, and check to be sure the tank is receiving adequate drainage. In order to keep your septic tank in good working order, the Environmental Protection Agency advises that you get it examined and drained every three to five years. Using water effectively also reduces the load on your septic tank, allowing it to operate at peak efficiency for longer periods of time.

How much does a new septic system cost?

The cost of a septic system can vary greatly depending on the kind; typically, it is in the thousands of dollars. Some estimates place the cost of a three- or four-bedroom home between $3,000 and $9,000, while modern technology can run closer to $12,000 to $8,000 per square foot. This figure might be increased even higher if the installation charges are included.

How Your Septic System Works

Septic systems may range in price from thousands of dollars to tens of thousands of dollars depending on the kind. In the case of a 3-4 bedroom home, some estimates place the cost at between $3,000 and $9,000, while modern technology can cost anywhere from $12,000 to $18,000 or more. This figure might be increased even higher if the installation charges are considered.

Specifically, this is how a typical conventional septic system works:

All of the water that leaves your home drains down a single main drainage pipe and into a septic tank. An underground, water-tight container, often composed of concrete, fiberglass, or polyethylene, serves as a septic system’s holding tank. Its function is to retain wastewater for a long enough period of time to allow particles to sink to the bottom and form sludge, while oil and grease float to the surface and produce scum. Sludge and scum are prevented from exiting the tank and moving into the drainfield region by compartments and a T-shaped outlet. After that, the liquid wastewater (effluent) exits the tank and flows into the drainfield. The drainfield is a shallow, covered hole dug in unsaturated soil that serves as a drainage system. Porous surfaces are used to release pretreated wastewater because they allow the wastewater to pass through the soil and into the groundwater. In the process of percolating through the soil, wastewater is accepted, treated, and dispersed by the soil, finally discharging into groundwater. Finally, if the drainfield becomes overburdened with too much liquid, it can flood, causing sewage to flow to the ground surface or resulting in toilet backups and sink backups. Finally, wastewater percolates into the soil, where it is naturally removed of harmful coliform bacteria, viruses, and nutrients. Coliform bacteria are a kind of bacteria that may be found in the intestines of humans and other warm-blooded animals, with humans being the most common host. As a result of human fecal contamination, it is a sign of this.

The Guadalupe-Blanco River Authority has built an animated, interactive model of how a residential septic system works, which you can view here.

Do you have a septic system?

It’s possible that you’re already aware that you have a septic system.

If you are not sure, here are some tell-tale symptoms that you most likely are:

You make use of well water. In your home, the water pipe that brings water into the house does not have a meter. In the case of a water bill or a property tax bill, you will see “$0.00 Sewer Amount Charged.” It is possible that your neighbors have a septic system

How to find your septic system

You can locate your septic system once you have confirmed that you have one by following these steps:

Taking a look at the “as constructed” drawing of your house
Making a visual inspection of your yard for lids and manhole covers

Getting in touch with a septic system service provider for assistance in locating it

Failure symptoms: Mind the signs!

A bad odor is not necessarily the first indicator of a septic system that is failing to work properly. Any of the following signs should prompt you to seek expert assistance:

Water backing up into the drains of homes and businesses

It is especially noticeable in dry weather that the drainfield grass is bright green and spongy. The presence of standing water or muddy soil near your septic system or in your basement
A strong stench emanating from the area surrounding the septic tank and drainfield

Septic Warranty Coverage and Costs (2022)

An extended house warranty can safeguard your septic system in the event of an unexpected failure. To learn more about our best septic warranty coverage suggestions, continue reading. iStock Septic warranties can give peace of mind and protection for your septic system and its components in the event that they fail due to regular wear and use, as well as for your family. Read on to learn more about the finest septic warranty coverage available by reading our review.

Septic System Warranty Coverage

If you are experiencing problems with your septic system, a home warranty may be able to assist you in covering the costs. Issues relating to components and parts that fail as a result of regular wear and use, as well as electrical and mechanical failures, will be covered by septic warranties. A variety of septic protection plans will be offered by different home warranty organizations. For example, Choice Home Warranty will cover the cost of septic tank pumping in the event of a main line stoppage or obstruction.

Septic tank
Sewer pipes

Sewage ejector pump
Jet pump
Aerobic pump

Is a Septic Warranty Necessary?

Your septic system should last between 15 and 20 years with regular care and maintenance, with exceptionally well-maintained systems lasting as long as 40 years. However, this does not rule out the possibility of your septic tank experiencing a breakdown or malfunction from time to time. The failure of the septic pump or another component of the system may necessitate the need for expert servicing, as well as the need for a septic system repair or replacement, depending on the situation. While a septic warranty can provide coverage for your system, it may only be valid for a limited period of time and will only cover your sewage system in certain circumstances.

Property warranties will cover the cost of costly septic system repairs and replacements, as well as the cost of dispatching a reputable professional to your home to conduct the essential repairs in a timely fashion.

How Much Does Septic Coverage Cost?

On average, a home warranty costs between $25 and $50 each month, with service call fees ranging between $75 and 125 dollars. The cost of septic system add-ons will vary across home warranty providers, so it is recommended that you obtain estimates from a few firms in order to select coverage that is within your budget.

How to Find the Best Septic Warranty

The following things should be taken into consideration while searching for the greatest septic system coverage:

Making a decision on the proper sort of plan —Most home warranty providers will offer a number of options from which to pick. A systems plan, an appliances plan, and a combination plan are all examples of common home warranty policies. System coverage or a combination of coverage choices are the best alternatives for protecting your septic system. By selecting one of these coverage options, you can be assured that your septic system will be protected. Septic warranty coverage is often offered as an add-on by home warranty organizations. Compare prices. Before making a final selection, compare the add-on prices offered by at least three different companies. Make sure there are no coverage exclusions – For example, most home warranty companies do not cover drain field pipe repair, routine maintenance pumping, or disposal of septic tank waste.

Best Septic Warranty Providers

The following are three of the top home warranty companies that provide coverage for septic systems.

Best Septic Home Warranty Companies

Provider	Choice Home Warranty	Select Home Warranty	First American Home Warranty
Provider	Choice Home Warranty	Select Home Warranty	First American Home Warranty
Get a free quote	Visit site	Visit site	Visit site
Monthly premiums	$36–$44	$36–$38	$28–$43
Deductible	$60–$85	$75	$75
Additional benefits	Get your first month free when you sign up today	Get two extra months of coverage for free	Has a risk-free, 30-day, money-back guarantee

Three of the finest home warranty companies that offer septic system coverage are listed below:

Choice Home Warranty Review, Select Home Warranty Review, and First American Home Warranty Review are all examples of home warranty reviews.

Our Conclusion

If you have a septic system, you should consider purchasing a house warranty that includes septic coverage. Not only will this safeguard your system in the event of a breakdown, but it will also assist you in getting the required repairs or replacements completed as quickly as possible. Septic warranty coverage is offered by any of the home warranty providers mentioned above. We recommend that you obtain estimates from all three service providers so that you can compare prices and choose the plan that best suits your needs and budget.

Frequently Asked Questions about Septic Warranties

Septic system problems can manifest itself in a variety of ways, including slow-draining sinks and sewage backing up in the toilet or tub. To make a claim, contact the business that provides your home warranty. Upon submitting your claim, they should send a contractor to diagnose the problem within 48 hours of receiving it.

In addition to a septic system, what else does a home warranty cover?

A house warranty covers important systems and equipment such as your air conditioning system, refrigerator, electrical system, and plumbing system, among other things. The difference between a house warranty and homeowner’s insurance is that a home warranty covers goods that break down due to regular wear and tear, while homeowner’s insurance covers damage to your home caused by natural disasters, fire, or theft.

How can I protect my septic system?

Proper maintenance of your system is one of the most efficient strategies to avoid costly damage to your system in the first place. Maintain your pump on a regular basis, at least once every three years, and adopt water-saving behaviors, as well as properly disposing of garbage. Send an email to our Reviews Team [email protected] if you have any comments or questions regarding this post.

Does homeowners insurance cover damage to your septic tank?

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It is not covered by homes insurance if damage to your septic tank occurs due to a lack of maintenance or normal wear and tear. However, damage to your house as the result of a septic backup may be covered, but not damage to your tank
Consider adding a service line rider to your homeowners insurance policy to ensure that your septic tank is adequately protected. See Insider’s guide to the top homeowners insurance providers for more information.

Septic systems, according to the Environmental Protection Agency, are “underground wastewater treatment facilities, which are often employed in rural regions lacking centralized sewage systems.” Damage to your home and personal property is covered by homeowner’s insurance, which is referred to as insurance perils in the insurance industry. Septic tanks are covered by homeowners insurance, with certain exclusions, and coverage varies from provider to provider. As a result, it is critical that you speak with your insurance provider regarding septic insurance coverage.

Does homeowners insurance cover damage to your septic tank?

In order to be covered, any damage to your house must be caused by aperil, unless you have acquired an add-on rider. Fire, lightning, theft, ice, snow, sleet, smoke, vandalism, and freezing are all examples of insurance risks that might occur. In the eyes of some homeowners insurance providers, septic tanks are considered “other buildings” that are covered by the dwelling policy. When it comes to ordinary insurance policies, septic tank coverage is quite restricted. According to American Family Insurance, damage to the septic tank itself is not covered, but the insurance company will cover your property if the damage was caused by a faulty septic system or an overflow into your home.

If you have a septic tank problem, you should check with your homes insurance carrier to see how they handle such situations.

It may differ from one insurance company to the next. Additionally, coverage for septic tanks is available as an add-on rider to your policy at an extra fee. Look into whether or not your homes insurance policy includes supplemental coverage for septic tanks and service lines.

When damage to your septic tank isn’t covered

When damage occurs as a result of improper maintenance or normal wear and tear, you will not be covered. Septic tanks are most commonly damaged by human mistake, such as flushing grease or oils down the toilet, driving over the tank, or tree roots growing around the pipes. Make sure you do regular maintenance and upkeep to minimize septic tank difficulties, as homeowners insurance does not cover damage caused by a lack of upkeep or proper maintenance. In most cases, damage to your septic tank is not covered by homeowners insurance.

These will necessitate the purchase of additional coverage in the form of a rider policy or separate insurance.

A home warranty is an option for repair and maintenance costs

Even if your septic tank has not been damaged as a result of an insurance hazard, a home warranty contract may be an option to help you save money on maintenance and repair. Home warranties are service contracts that cover the repair or replacement of components such as your HVAC system, air conditioner, and water heater. A house warranty can range in price from $350 to $700 each year. If you have recently purchased a house, it is possible that your realtor may have suggestions for reputable firms in your neighborhood to consider.

American Home Shield, Landmark Home Warranty, and Choice Home Warranty are all brands of home warranty.

Ronda Lee was once an associate editor for insurance at Personal Finance Insider, where she wrote about consumer insurance issues such as life, car, homeowners, and renters insurance. Prior to joining Business Insider, she worked as a contributing writer for HuffPost, where she wrote on politics, education, style, black voices, and entrepreneurship, among other topics. She also worked as a freelance writer for the website PolicyGenius. Previously, she worked as an attorney, specializing in insurance defense and business disputes.

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We are completely separate from our advertising sales staff.

What size of septic tank do I need?

Probably one of the last things on your mind when you are constructing a new house is the location of your septic system. After all, shopping for tanks isn’t nearly as entertaining as shopping for cabinetry, appliances, and floor coverings. Although you would never brag about it, your guests will be aware if you do not have the proper septic tank placed in your home or business.

septic tanks for new home construction

The exact size of the septic tank is determined mostly by the square footage of the house and the number of people who will be living in it. The majority of home septic tanks have capacities ranging from 750 to 1,250 gallons. A 1000 gallon tank will most likely be required for a typical 3-bedroom home that is smaller than 2500 square feet in size. Of course, all of this is dependent on the number of people who live in the house as well as the amount of water and waste that will be disposed of through the plumbing system.

For the most accurate assessment of your septic tank needs, you should speak with an experienced and trustworthy sewer business representative. They can assist you in planning the intricacies of your septic system, including which sort of septic system will be most beneficial to you.

planning your drainfield

Here are some helpful hints for deciding where to locate your drainfield when you’re designing it.

Vehicles should not be allowed on or around the drainfield. Planting trees or anything else with deep roots along the bed of the drain field is not recommended. The roots jam the pipes on a regular basis. Downspouts and sump pumps should not be discharged into the septic system. Do not tamper with or change natural drainage features without first researching and evaluating the consequences of your actions on the drainage field. Do not construct extensions on top of the drain field or cover it with concrete, asphalt, or other materials. Create easy access to your septic tank cover by placing it near the entrance. Easy maintenance and inspection are made possible as a result. To aid with evaporation and erosion prevention, plant grass in the area.

a home addition may mean a new septic tank

Do not make any big additions or renovations to your house or company until you have had the size of your septic system assessed. If you want to build a house addition that is more than 10% of your total floor space, increases the number of rooms, or necessitates the installation of new plumbing, you will almost certainly need to expand your septic tank.

For a home addition that will result in increased use of your septic system, your local health department will require a letter from you that has been signed and authorized by a representative of your local health department confirming that your new septic system is capable of accommodating the increase in wastewater. It is not recommended that you replace your septic system without the assistance of a certified and competent contractor.

how to maintain your new septic system

Septic tank cleaning and septic tank pumping services are provided by Norway Septic Inc., a service-oriented company devoted to delivering outstanding septic tank cleaning and septic tank pumping services to households and business owners throughout the Michiana area. “We take great delight in finishing the task that others have left unfinished.” “They pump, we clean!” says our company’s motto. Septic systems are something we are familiar with from our 40 years of expertise, and we propose the following:

Make use of the services of a qualified specialist to develop a maintenance strategy. Make an appointment for an annual examination of your septic system. Utilize the services of an effluent filter to limit the amount of particles that exit the tank, so extending the life of your septic system. Waste items should be disposed of properly, and energy-efficient appliances should be used. Make sure you get your septic system professionally cleaned every 2 to 3 years, or more frequently if necessary, by an experienced and qualified expert

If you have any reason to believe that there is an issue with your system, contact a professional. It is far preferable to catch anything early than than pay the price later. Maintain a record of all septic system repairs, inspections, and other activities

common septic questions

Here are some of the most frequently asked questions by our septic customers.

How do I determine the size of my septic tank?

If you have a rectangular tank, multiply the inner height by the length to get the overall height of the tank. In order to find out how many gallons your septic tank contains, divide the number by.1337.1337

How many bedrooms does a 500-gallon septic tank support?

How deep in the ground is a septic tank?

Your septic system is normally buried between four inches and four feet underground, depending on the climate.

Dig the Correct Cover

Here are a few pointers to assist you in locating and digging the proper cover for your septic tank:

Locate the 4′′ sewage pipe that runs from your toilet and shower to the exterior wall of your home. It should be visible. Most of the time, your tank is 8 to 15 feet from the place where the sewer pipe exits
Perhaps you have seen an area outdoors where snow melts each winter
Most of the time, this location is within the 8 to 15-foot range. This is an excellent place to begin. To identify the four corners of the tank, probe the ground with an abar and mark the locations. A septic tank measures roughly 8 feet long by 5 feet broad and is covered with three different types of coverings. Some tanks, on the other hand, are longer and made of plastic, making them more difficult to spot. Our company, Maine SepticPumping, requests that you find and excavate the center cover in order for us to thoroughly clean and remove any sediments from your tank. If you have a septic system that includes a pump, you should exercise caution. Unground electrical wire will be present, and it is possible that it could pose a hazard. You should also find and dig the cover for your pump chamber so that it can be pumped at the time of our service

If you are experiencing sluggish drains and the digging is relatively simple, you can try excavating all of the tank covers. All of the covers being removed would allow us to inspect your input region and eliminate any sediments that may be blocking the passage of the water. This also allows us to view your outlet baffle clearly, allowing us to ensure that it is secure. If you have any questions when trying to locate your tank, please contact our office. MaineSepticPumping can also assist you in locating and digging your cover.

How Much Does a Septic Tank System Cost?

A Quick Look at Septic Tank Prices

Total cost: $3,900 on average

$1,500 to $5,000 on a sliding scale
Anaerobic septic tanks cost between $2,000 and $5,000
Aerobic septic tanks cost between $10,000 and $20,000

Gravity septic tanks cost between $1,500 and $4,000
Mound septic tanks cost between $10,000 and $20,000
Chamber septic tanks cost between $1,500 and $5,000

Conventional septic tanks cost between $2,000 and $5,000.

Approximately $3,900 on average with a range of $1,500 to $5,000; Anaerobic septic tanks range in price from $2,000 to $5,000, while Aerobic septic tanks range in price from $10,000 to $20,000. Gravity septic tanks range in price from $1,500 to $4,000, while Mound septic tanks range in price from $10,000 to $20,000.

What Is a Septic Tank?

A septic tank is an underground chamber that is used to treat residential wastewater to a modest degree. It is intended to store wastewater for an extended period of time, allowing particles to settle to the bottom and oil and grease to float to the surface. After that, the liquid waste is filtered away.

How Much Does It Cost to Install a Septic Tank?

Untreated residential wastewater is treated in a septic tank, which is an underground chamber. It is intended to store wastewater for an extended period of time, allowing particles to settle to the bottom and oil and grease to float to the surface. This is followed by the separation of liquid waste.

Types of Septic Tank Systems

Septic tank installation and replacement costs are heavily influenced by the type of system that you select to use. Tanks come in a variety of shapes and sizes. Here are a few examples:

Anaerobic Septic System

Anaerobic systems are a popular alternative for many homes since they don’t require any additional electricity or chemicals to function properly. Anaerobic systems include microorganisms that do not require oxygen to exist and hence are called anaerobic systems.

Solid waste is broken down by microbes, and any leftover liquid waste is pumped out and spread beneath the surface of the soil. The garbage is naturally recycled when the water seeps into the ground and returns to the environment. The installation of these devices is between $2,000 and $5,000.

Aerobic Septic System

Aerobic systems, in contrast to anaerobic systems, make use of microorganisms that do not require oxygen to live. To activate the bacteria in the tank, oxygen is injected into it, and the bacteria then feed on the solid waste. Aerobic systems perform effectively in soils that are unsuitable for other systems and in areas where the groundwater table is elevated. It is an excellent choice for residences that are close to a body of water. Aerobic systems are more costly to install than anaerobic ones.

Gravity Septic System

Gravity septic systems employ gravity to filter and move water through the system. They must be put on a mild slope in order to allow water to flow without the use of a pump. The cost of installation ranges from $1,500 to $4,000.

Conventional Septic System

A standard septic system is comprised of a septic tank and a trench that serves as a drain field for the collection of waste. The trench is built on stone or gravel and is designed to allow water to move through it easily. In order to prevent sand or dirt from contaminating the clean soil, geofabric is laid over the top of the trench and secured in place. In order to function properly, a traditional septic system requires a huge amount of room. The installation of these devices is between $2,000 and $5,000.

Mound Septic System

If your groundwater table is close to the surface, a mound septic system is the most appropriate option for your situation. An area for the septic system is prepared, and a sand mound is built to allow effluent from the tank to be pumped into the mound in modest amounts. The sand then acts as a filter, preventing the water from reaching the soil and groundwater. This design necessitates a large amount of floor space. They’re also expensive to install since a sand mound needs to be built before they can be utilized.

Chamber Septic System

Chamber septic systems have lately gained popularity as an alternative to traditional septic systems. They are comparable to conventional systems, with the exception that plastic chambers, rather than gravel, are utilized in the drain field. These are less difficult to build and have a lower carbon footprint. The cost of installing them ranges from $1,500 to $5,000.

Septic Tank Materials

Another aspect that influences cost is the type of material used to construct your septic tank. The following are some of the most often seen materials:

Concrete

Concrete septic tanks are the most prevalent form of septic tank because they are extremely long-lasting and reliable. They can survive for 20 to 30 years if they are properly maintained. Concrete, on the other hand, may break with time. When concrete is reinforced with rebar, the strength of the concrete is increased when subjected to pressure. Because of its weight, installation is more difficult and necessitates the use of specialized equipment. The cost of a typical-sized concrete tank ranges from $720 to $2,050 dollars.

Fiberglass

Concrete septic tanks are the most frequent form of septic tank since they are the most long-lasting variety available. They have a lifespan of 20 to 30 years if they are properly maintained. Concrete, on the other hand, is susceptible to cracking with age.

When concrete is reinforced with rebar, the strength of the concrete is increased. Its weight necessitates the employment of more sophisticated installation techniques and equipment. It costs between $720 to $2,050 to build an average-sized concrete tank.

Plastic

Tanks made of plastic are lightweight and simple to install. They’re also fairly long-lasting. Plastic tanks range in price from $830 to $1,400 on average, depending on the kind.

Steel

In spite of steel’s strength and durability, septic tanks built of steel are susceptible to rust and collapse if not properly maintained. As a result, several municipal governments have tightened their restrictions in order to discourage their usage. Typically, you’ll discover them in regions where the system was already in operation. If you are able to have one installed, they range in price from $900 to $9,900.

What Size Septic Tank Do You Need?

The size of your septic tank is normally decided by the number of bedrooms in your house. This is used to calculate the amount of water that will flow through the system on a daily basis. In general, the expense of a system increases in direct proportion to its size.

Two Bedrooms

A septic system with a minimum of a 750-gallon septic tank is required for a two-bedroom residence. However, in many localities, a 1,000-gallon tank is the least capacity that may be accommodated.

Three Bedrooms

A minimum of a 1,000-gallon water tank is required for a three-bedroom residence, which handles around 360 gallons of water each day on a daily basis.

Four Bedrooms

A bigger tank, with a minimum volume of 1,250 gallons, is required for a four-bedroom residence. It is capable of handling around 480 to 600 gallons of water each day. Additional Related Articles:

How to keep the cost of septic tank pumping to a bare minimum
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Water Sewer Line Repair: Do It Yourself or Hire a Professional
Listed here are 15 common plumbing problems that every homeowner should be aware of.

Septic Tank Repair Costs

It’s conceivable that only a certain component of your septic tank has to be replaced rather than the complete tank. Repairs and replacement parts can be purchased for a fraction of the cost of a complete system replacement. The following are some of the most often seen repairs:

Drain Field

Drain fields can get overloaded and flood, resulting in sewage backing up into toilets and sinks. The cost of replacing a drain or leach field ranges from $3,500 to $11,000.

Tank Pump

A replacement septic tank pump typically costs between $500 and $1,200.

Tank Filter

It is the most typical type of filter change that is performed by homeowners. It typically costs between $230 and $280.

Tank Lid

It is the most typical type of filter change that is performed by consumers. On average, it costs $230 to $280 per person.

Tank Baffle

The baffle is responsible for directing wastewater through the septic tank. A replacement baffle piece will cost between $23 and $44 dollars.

Additional Factors to Consider

A septic tank can be built either below or above ground, depending on your preferences. Because of the amount of excavating and footing preparation required, installing a tank underground is a pricey endeavor. Underground septic tanks necessitate the construction of a drain field that can accommodate a soakaway. In addition, because the soakaway allows for part of the wastewater to drain into the ground, the tank will require less emptying over time. Over time, this might result in a reduction in your expenditure.

Some demand that an inspector check and approve the site, which might result in a fee being charged to the homeowner. Depending on your state, septic tank licenses may be required to be renewed, but in most cases, you will be required to pay renewal costs when your permission expires.

How Long Does a Septic Tank Last?

The lifespan of a septic tank varies based on the material used and the type of system used. The lifespan of a septic tank might be reduced if the tank becomes clogged due to roots or floods from groundwater. Septic systems have a lifespan of 15 to 20 years on average. Maintaining your septic tank on a regular basis is the most effective approach to extend its life. Keep in mind that maintaining your tank entails more than just draining out the contents; it’s also crucial to have a professional evaluate your tank on a regular basis and perform routine maintenance.

In the event that you have a plan in place, you can call our 24-hour repair hotline anytime a covered problem develops.

Buying a Home With a Septic Tank? What You Need to Know

Published in February of this year A septic tank is one of those property features that might make prospective purchasers feel uneasy. A septic tank is a component of a home’s wastewater system that is often found in homes that are not served by municipal sewers. Instead, according to the Environmental Protection Agency, these stand-alone systems are meant to dispose of and treat the wastewater generated by a residence on their own (EPA). For anyone contemplating purchasing a property with a septic system, here are some often asked questions and answers to consider:

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How Does a Septic System Work?

A pipe gathers all of the wastewater from the residence and transports it to an underground septic tank that is completely waterproof. As explained by the Environmental Protection Agency, solids settle to the bottom of the pond while floatable items (known as “scum”) float to the top. Both are confined within the tank, which is emptied on a regular basis by a professional pumper. According to the Environmental Protection Agency, the middle layer includes liquid wastewater (also known as “effluent”) that exits the tank into a buried drainfield in the yard, where the wastewater disperses into the soil.

Is the Septic System Related to the Drinking Water System?

Septic tanks are located underground and are designed to handle all of the wastewater generated by a residence. As explained by the Environmental Protection Agency, sediments sink to the bottom of the pond while floatable items rise to the surface. A specialist will come in on a regular basis to empty the tank of both substances. According to the Environmental Protection Agency, the middle layer includes liquid wastewater (also known as “effluent”) that drains from the tank into a buried drainfield in the yard, where the wastewater disperses into the soil.

Environmental pollutants are removed by the soil, and helpful microbes break down organic waste.

What Differentiates One Septic System from Another?

According to the University of Nebraska-Lincoln, the size of the drainfield and the quality of the soil are the primary factors that distinguish one septic system from another. In addition, the drainfield must be large enough to accommodate the volume of liquid generated by a family. According to the Environmental Protection Agency, do not use a home’s toilet, sink, or disposal as a wastebasket for dental floss, coffee grinds, kitty litter, paint, or chemicals to avoid the chance of blocking the system.

How Often Should You Get Your Septic Tank Emptied?

To remove the sludge and scum from the septic tank, it is necessary to hire a professional to pump it. The frequency is decided by the size of the tank and the degree of activity in the home (how much wastewater is generated). According to the Environmental Protection Agency, most septic tanks should be emptied every three to five years. However, certain systems may require more frequent pumping – perhaps once a year if necessary.

What Are the Signs of a Failing Septic Tank?

Aside from routine pumping, the tank should be examined for leaks or obstructions on a regular basis. According to the Environmental Protection Agency, signs of a clogged system include foul odors that appear from time to time and fixtures that drain slowly or gurgle.

What About Maintenance Costs?

The size of the tank and drainfield, the accessibility of the tank, and the distance that waste must be taken for disposal all influence the cost of septic system upkeep. According to the Environmental Protection Agency, pumping a tank might cost between $250 and $500.

What Should I Do Before Buying a Home With a Septic System?

Learn about the laws in your state. Some states demand a septic system examination prior to transferring ownership. However, even if your state does not need an inspection, your lender may require one anyhow. As a rule, conventional house inspections do not involve an examination of the septic system. Zillow reports that an inspection may provide a detailed assessment of the system’s integrity, identify whether it is located at an appropriate distance from a well (to minimize contamination), and check the absence of invasive tree roots in the drainfield, which could cause damage to the system.

If you do need to replace your system, the cost might vary significantly.

Owning a property with a septic tank does not have to be a frightening experience.