The Lateral Sewer Insurance Program began on January 1, 2003.  St. Charles homeowners have the benefit of an "insurance policy" on lateral sewers to their homes. 

If claims are approved, the City will pay 80% of the cost of repairs to lateral sewers (up to $5,000 per property), and the homeowner will pay 20%.  The cost of sewer repairs varies depending on the extent of work needed.

For detailed information and an application, visit the Forms Library, which is located on our home page.