Sewer customers in the City of Kirkwood currently pay about $28 per year to the City for "Sewer Lateral Insurance". This insurance pays for 75% of the total repair cost if the sewer pipe fails between your house and the main sewer pipe in the street.

Prior to reading this question, which best describes what you knew about the Sewer Lateral Insurance Program?

Each year about 1% of sewer customers have a lateral pipe failure and the average repair cost is about $3,000. With 75% coverage the City pays an average of $2,250 and the average paid by the homeowner is $750. A few repairs each year cost over $7,500 and the insurance program is slightly underfunded overall.

Which of the following would be your preference for the Sewer Lateral Insurance program going forward?

Any other comments or suggestions about Sewer Lateral Insurance?