Homeowners face unexpected sewer lateral repair costs with unclear responsibility and financial liability

Homeowners are caught in a gap where they're suddenly responsible for expensive sewer lateral repairs (often $3,000-$25,000+) due to new municipal policies shifting costs from cities to property owners. They lack clarity on when repairs are needed, what they'll cost, how to find qualified contractors, and how to navigate insurance coverage—leaving them vulnerable to predatory pricing and financial shock.