Collapsed Sewage Line - Will Homeowner's Insurance Cover It?

[Rob Roy]

Hello BP!

After a very crappy* timeline of events, I recently discovered that the main sewage line, right next to my home's outside clean-out, collapsed.  Roots got in and cause a major backup into my house, complete with water damage on the second floor and ceiling damage where it leaked down into the finished basement.

I think the answer is no, but just wanted to double check to see if you think USAA homeowner's insurance will cover the cost of replacing the main metal sewage line with PVC, about 70' worth.  I'm holding off on calling USAA right away, in case there is certain verbiage that needs to be said, if it is even a remote possibility.

Also, looking for any recommendations on a good company in the Annapolis, MD area that can replace this sewage line from my home out to the street.

Many thanks!