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Waterline Repairs: Property Owner Responsibility


One of the most common misconceptions regarding water infrastructure is that the utility provider will make the repairs if there is a leak on private property. However, it’s the property owner’s responsibility to repair the water service line on their property, as well as any resulting damages.

Property owners are responsible for all related repairs and expenses to their:

  • water service line from the curb stop to the service address (see graphic)
  • associated property damage
  • plumbing/piping inside the building

NOTE: The curb stop – located between the water main and water service line – is the valve that turns off the water to each property and can only be operated by Utilities staff.

Fort Collins Utilities is responsible for maintaining and repairing the:

  • water main to the curb stop (see graphic)
  • curb stop
  • water meter
  • associated damage to the street and/or property

Low-Interest Financing

Fort Collins Utilities offers low-interest financing options to help homeowners make repairs to external water service lines. Read more about other resources to repair leaks. 


If this line fails, repair or replacement can be expensive and most basic homeowners insurance policies don’t cover these expenses. You may want to check the details of your policy and look into supplemental insurance plans for exterior water service line coverage.