Sewer Line Belly- Insurance and Cost

[Mak K.]

For one of the property, sewer backup occurred. Insurance did the plumbing test and outcome was sewer line is belly which needs to be fixed. I have a sewer water backup coverage. But insurance is willing to pay for the damage (sheet rock, carpet etc) but not for fixing the sewer line belly. They are stating the pipe is not broken or leaking hence not covered."Coverage would not extend to taking preventative measures to alleviate the circumstances that caused the problem."

To fix the issue, contractor would have to tunnel 11' feet and reroute the pipe to outside and divert the sewer line. From my understanding, egress labor is covered. (Excavation labor). I have travellers insurance. How do I go about it?

Also the price to fix the sewer line is from $6k to 14k to 25k. Any idea what would a 11' tunnel cost?