Culverts covered?

[Stytooner]

Hey guys, I am wondering if culverts might be covered under some home owner's insurance?

Our's had been in place about 15 years, but will all the recent rain we had, it was just too much for it.
It was one of those plastic corrugated types. It just disintegrated and washed out my diveway. I have a concrete slab over it, but will have to cut that off now. It isn't safe to drive over. It is only a 4" slab with wire and not rebar.
I am thinking about getting those concrete section type to go back in. The old one was 24" which is what the code called for, but it obviously was not big ehough.
I am thinking 30" or 36" would be better.

I have a cement mixer and may just hire a handyman that helps out around here sometimes to help me with it.
I'm thinking of pouring a flat base 4" thick across the entire bottom and then use cinder block filled with rebar and concrete for the sides.
Then pouring a new 6" slab over the ditch part.
This is if I can't locate the concrete culverts. I'm sure somepone sells them and installs them around here though.
The reason I need to know about the home owners insurance is it would come in handy.
I had $750 invetsed in the culvert and two loads of dirt, which most of has washjed away, plus $1200 in concrete. So about $2000 not including labor.
I know a concrete culvert or pouring a square culvert will cost more.
Thanks for any advice.

[Hellrazor]

You will need to call and ask. Knowing the insurance companies, your capped culvert will be considered a bridge and isn't covered.

[Ed62]

I also think you need to make the call. But if you get a "No, it isn't covered" answer, take your policy to another insurance company to ask their opinion. They would probably be happy to give you an opinion, hoping to get your business. Nobody wants to pay for something they might be able to get out of.

Ed

[robtonya]

I installed culverts a few years back at my house. I used a double wall 24" which seemed to be pretty substantial in weight. What I did was a little different though, because I used them all the way around the house, then filled it over with dirt with the exception of our driveway (which was concrete as well. Could you do the same? Then you wouldn't have any more ditches to worry about either.

[Stytooner]

Thanks guys. I got to chatting with a neighbor and we came to conclusion that this most likely isn't covered, but because it isn't actually on my property at all. The damage is on County property. 25 feet from the county road is where my property starts. I'll have to call today to see if I need a permit to make repairs.
I had also forgotten about those metal corugated culverts.
Likely priced in between plastic and concrete.

I think since this failed though, I will go back with a timber bridge rather than a culvert.
4" x 6" treated lumber would make a decent bridge I think. I would set post 4' deep in concrete. Then pass the supports under the slab. in 6 spots on 4 posts. That should leave less than 1' unsupported on the slab. There are no cracks in it, so I am thinking that will work fine. it is only 8' wide. I will extend its width to 12' and be done with it. I'll use the 4" by 6" to widen it by 2' on both sides. It will be hekld together with 5/8" galvanized all thread. This will keep the cost low. Around $600 including labor.
With nothing there to stop or even slow down the water, it will seek it's own level for the dirt and should eventually stop washing out. If the concrete slab fails at a later date, I already have a base there to attach more timbers to.

One guy around the corner did this with railroad ties about 10 years ago and his is working great.
Any thoughts?
Thanks.