My 17 yr. old daughter went out last evening and discovered a large sink hole. We went out and looked at the big hole and found a broken drainage tile in the bottom of it. Husband suspected it may be our septic. We live in a very old farm home and two years ago a fella who works for the Dept. of Health mentioned that our septic system may not be exactly up to code. He also mentioned that we should never discuss our system with him. He'd leave it alone if he were us. This subject was brought up when he was going thru the hassels of getting his new system installed. We've lived here for 15 years, there are 7 of us and we've never had any problems before so we just left things be. My son went out today while a daughter was in the shower and sure enough it's our septic. We are having no problems with drainage from the house or flushing, but know we are now going to have to put in a septic system. We can't just ignore a 9 ft. deep x 4 ft. diameter hole in our back yard! I want to know how to find out if this would be covered under our home owners insurance with out alerting any body that we have a problem. We are in a terrible financial crunch. Our income is 1/3 less now and though we have good credit and everything is up to date we know we could not afford even one more bill each month. Does anybody know the wording to look for to see if this would be covered? Right now we have covered the hole with a sheet of plywood, but know this isn't a fix for the problem. We have to get something done and soon.