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D I Y septic system
Well Dang! And the Township's well fix didn't turn out either. I guess that unlimited flow from a 6" casing and a 20' hole is running pretty close to stream water. They're now talking about running a line from a deeper well used by the maintenance shop and maybe I want to dig the trench--but I think I'll pass.
At least I understand the insurance company logic in your case. Around here some policies treat bear damage as 'acts of God' but at least we're covered. Last month a guy was out hunting bear, had one break in to his house and do a bunch of damage. His policy covered bear damage to the outside but not the inside--that I don't understand.
Your hypothetical case of a dead tree that damages your neighbour's property could lead to interesting discussions with your insurance company. We had a bunch of waste oil from a previous owner of our camp tested and pumped. After the fact our broker noted that there wouldn't have been any insurance coverage if a spill had occurred. Her logic was that insurance is to cover accidents and something that can reasonable foreseen isn't an accident. Not her problem but I really hate dealing with industry mentalities. I suppose the logic does keep us more responsible though.
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D I Y septic system
It is just a strange reasoning on one hand. "Usually", the responsible party would be the one that is at fault - not the recipient of bad luck. Oh "well"!
- Willie H.
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It is pretty much standard procedure in the insurance industry to subrogate (ask for repayment for) a claim to the insurance carrier for party at fault.
However, as mentioned, there would be no fault in this case, the tree was healthy, the only reason it went horizontal was the wind storm, nothing the property owner did, or failed to do.
We do some restoration work for the insurance industry here, anything that involves 'earth-works' on the high end properties, big fancy estates, etc.
Some of the claims are pretty funny. We had a job two summers ago that was hilarious to everyone EXCEPT the owner. It seems that this very high-end property is EXACTLY below the approach to the Toronto airport. What happened was the 'liquid waste' tank drain valve had a small leak, at the height the aircraft was flying the temp. was so cold that everything froze into a .... 'fudge-sicle' ... on the outside of the plane, as it came down for a landing the temperature of the aircrafts skin climbed enough for it to break off.
It landed in the pool with enough force to punch a hole in the Gunite lining, causing all the water to leak out into the surounding soil and erode a big part of the raised area the pool had been built into.
It was a tricky job to do the repair without destroying the rest of the yard to get equipment, material, etc., in and out, which is why we got the job, it's just like working on a golf course while 'in play'.
BTW, last I heard this guy and his wife had REALLY reduced airfare anywhere they wanted to go.....
Best of luck.
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I saw mention of the infiltrators in Septic systems. I've been doing my own research. My excavator (after interviewing several) really dislikes them, citing that the end run infiltrators rarely get an even load. He highly discouraged them if there is any way a moderatly conventional system can be used. He also made the point about too much slope being a problem, since then solids get outrun by the liquid, as mentioned here.
He did have one positive thing about infiltrator systems though:
"They are like a tank trap. If some bozo drives over your leach field, you're gonna catch him" 
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Huckmeat
If you are talking about the black plastic ones they are
trouble waiting to happen. They are cheap, thats all nothing else.
Let me point out one problem, you have them all laid out ready to
cover. If, when putting the dirt on one or more move,your screwed.
The grey water will not make it to the next chamber. Chances are
you will not notice this for a few years,usually in the middle of
the winter. Unless you are on a slope,you can't beat a stone bed.
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Huckmeat, I'd never hire any excavating contractor who talks about solids getting outrun in a drainfield. It shows he doesn't know much about septic systems! Solids should NEVER be in a drainfield. The drainfield will fail sooner or later if they are getting in to the drainfield.
Grinder, I really disagree about what you said about chambers for drainfields. I've had my chamber system for 6 years and it's a good system. Probably 75% of the newer systems in this area (n. MN) are chamber systems. As far as the possibility of the chambers coming apart is concerned, if you've hooked 'em together (which is easy)correctly, they can hardly be taken apart again without really trying. The problem with any drainfield is not getting the septic tank pumped regularly and allowing solids to eventually get out to the drainfield. That's a recipe for failure.
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10-16-2003, 07:10 
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