I would insulate the sewer line. Mine runs under the cabin in the sealed crawl space, but where it exits the cabin there is a run of 30 feet to the septic tank. I n the winter, when drain water hits the outside portion, it slowly freezes up over time, almost like a film of ice being added every time the water hits the cold pipe. Eventually the entire pipe will freeze. I have since built a system to thaw the frozen pipe but would be better if it froze less often or not at all. Fore the cost of the insulation, it is well worth it.
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