Damage must be due to a covered cause for the damage to be claimed on your homeowners insurance. I cannot think of any way damage to a sewer could be from a covered cause.
NOPE
Yes, if you bought that as a rider. No if you did not.
Yes it normally does.
Sorry but homeowners insurance does not pay for preventative replacement of a sewer line. This is an item that would be considered maintenance. Sorry this is not what you want to hear but that's the way it is.
I cannot think of any cause for a sewer line damage being caused by something that would be covered by a homeowners policy. It is probably maintenance and not an issue for your home insurance.
No
Inside your home or outside and did you bother to READ your policy?
Yes.
Possibly. Depending on if you bought an extra endorsement called back up of sewer or sub pump. This is an additional coverage you have to buy on your homeowners. This also depends if what ever happened to the the septic tank was accidental or sudden. If it failed due to poor maintenance, then no the insurance company does not have to cover it. The adjuster will determine when he comes out if its either or. Mark Owner of Denvers Insurance
If your renters policy covers Sewer Backup then it will cover damage to personal property.
No one is "Responsible" for an act of nature. However, So Long as you have "Windstorm Coverage' your Homeowners Insurance Policy should cover the damage to your plumbing and may provide coverage for the trees removal. Contact Your Insurance Agent to determine if you have the applicable coverage.