http://www.stltoday.com/suburban-journals/stcharles/news/4f2ee6dc-2075-5a07-b398-6fe977c7f4c6.html-snip-
Officials are proposing a system that would cover sewer lateral repairs up to $7,500 per household. The program would be financed through an annual $28 fee added to real estate taxes. The sewer lateral is the section of pipe that connects the home to the utility's sanitary sewer main.
Before scheduling a repair, homeowners would have to pay a $300 application fee to have a city-contracted plumber diagnose the problem. The plumber would come to their home and send a video camera down the sewer lateral. The plumber probably would charge less than $300 per visit, Koestel said. The city would refund the difference to the homeowner, he said.
The homeowner would hire a contractor to perform the repair. The city would provide a list of three bidding contractors. If the homeowner chooses the lowest bid, the city would pay the entire cost of the repair, up to $7,500. If the homeowner chose a higher bidder, the homeowner would have to pay the difference.
The average cost of the sewer lateral repair would be in the $2,500-$4,000 range, Koestel said. The city insurance plan would not cover restoration of swimming pools, fountains, sheds or elaborate landscaping, Koestel said.
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article says neighboring govts. already have the insurance
I feel suspicious of this .....