Spring Hill's aldermen are weighing at-risk sewer agreements for the June Lake development while a sewer moratorium leaves 61 lots without treatment capacity. If you own, are buying, or are building on a lot caught in a moratorium, your insurance needs look different from a typical homebuyer's.
What a Sewer Moratorium Means for Your Lot
A moratorium means the city will not approve new connections until capacity is added. Lots can sit vacant for months, and builders sometimes start work in phases. Each stage has its own coverage gap.
Vacant Land and Lots Under Hold
- Liability on vacant land: If someone is hurt on your lot, you can be liable. A homeowners policy does not cover land you do not live on, so ask about a vacant land or landowner liability policy.
- Dumping and trespass: Document the condition of the lot with dated photos.
- Drainage: Graded lots with no finished home can wash out in heavy rain.
If You Are Building
- Builder's risk: Covers the structure, materials and equipment during construction against fire, wind, theft and vandalism. Delays from a moratorium can run past the policy term, so confirm renewal and extension terms.
- Contractor coverage: Verify your builder carries general liability and workers' compensation, and ask for a certificate of insurance.
- Temporary housing: Delayed closings can mean extra rent. Standard policies do not cover this.
Once the Home Is Connected
When the sewer connection finally arrives, add sewer and water backup coverage to your homeowners policy. Most standard policies exclude backup unless you add an endorsement, usually inexpensive. Spring Hill also has updated flood map changes, so check your flood zone before closing.
Questions to Ask Your Agent
- Do I need vacant land liability while the lot sits unbuilt?
- How long does builder's risk last if the schedule slips?
- Do I have sewer and water backup coverage?
- Is my lot in a flood zone?
Talk to All Seasons Insurance Group
All Seasons Insurance Group can review your situation and quote coverage. Call (865) 263-1400 or visit asigtn.com. Need real estate help? Visit Kings of Real Estate. Financing questions? AnnieMac Home Mortgage is at (865) 518-6408.
