Sewer Insurance Program

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The Engineering Department provides technical assistance to the Sewer Maintenance Department for the maintenance of the City sewer system. This assistance includes updating all sanitary and storm sewer record drawings and administrative assistance to the Sewer Lateral Insurance Program that began in 1986.

The $2.20 monthly fee for sewer insurance (included on the homeowner’s Mishawaka Utilities bill), protects the single-family residential homeowner from paying catastrophic sewer repair costs. The homeowner is responsible for paying all routine sewer lateral cleaning costs, and if the lateral requires repair, the owner pays a $250 deductible fee for an owner-occupied home or a $500 deductible fee for a renter-occupied single-family home. The Sewer Insurance Fund pays all repair costs in excess of the deductible for the repair of a private sewer lateral connection from the foundation wall of the home to the trunk sewer main in the street. The costs of removal and replacement of public streets, curbs, and sidewalks as a result of the repair are included.

In addition to repair of failed sanitary sewer laterals, sewer insurance funds are used to replace all existing sewer laterals located on minor sewer main replacement projects. This replacement minimizes the need to repair a sewer lateral in a newly reconstructed street. The funds are also used to separate shared laterals that exist between two homes when an interconnected lateral is discovered.

E-Mail the Engineering Department
for more information on this program.



600 East Third Street

Mishawaka, IN  46544

Phone (574) 258-1619

Fax (574) 258-1776

Email Us



Chris Jamrose


Sewer Department


Tom Dolly

Phone (574) 258-1715

Fax (574) 258-1744