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Homeowners insurance can cover plumbing issues depending on the exact nature of the damage. Learn when insurance covers water damage and when it doesn’t. (Shutterstock)
Does Home Insurance Cover Plumbing Problems
Keeping up with home maintenance is expensive enough, but plumbing issues can cost thousands of dollars, if not more, to fix. Homeowners insurance covers damage to some plumbing issues, but what is and isn’t covered varies by insurance company, policy, and the type of water damage.
Homeowners Insurance Guide: A Beginner’s Overview
Let’s take a look at what homeowners insurance typically covers, and whether you should buy additional coverage to provide more protection that your standard policy won’t.
Homeowners policies may cover plumbing issues depending on the nature of the damage. A policy may cover water damage if it occurs suddenly or due to unforeseen circumstances. However damage that occurs gradually or due to lack of maintenance is usually not covered.
Remember, your exact home insurance coverage will depend on your insurance carrier, individual policy, and the state in which you live.
A standard homeowners insurance policy usually includes several types of coverage that can help protect you in the event of water damage. You must submit a claim to your insurance company to initiate any of this coverage.
What Does Home Insurance Cover? Expert Explains Different Types Of Cover
This type of coverage protects you from structural damage to your home. If a burst or leaking pipe damages your home, residential cover can pay to repair your damaged walls, floors and cabinetry, up to the limit stated in your policy.
Loss of use coverage usually pays for temporary expenses if you don’t have a place to stay in your home while you make repairs, such as hotel stays or meals.
Water damage that floods or renders your home untenable may result in the loss of utility coverage that pays for your additional living expenses while water repairs are being made.
This part of your insurance policy covers structures that are not your primary residence, such as a detached garage or guest house. If water damage occurs as a result of a plumbing accident, for example, your policy may cover repairs to these structures.
How Much Does Plumber Insurance Cost?
Accidental water damage to your property or someone else’s property while you are on your property may be covered under your policy. That means your insurance can pay to repair or replace the damaged item.
Water damage to your personal belongings may be covered by your homeowner’s insurance. Depending on your policy, you may be able to get help with repairs or be compensated for a replacement.
To get coverage, you’ll most likely have to pay a deductible There may also be coverage limits, so it’s a good idea to review your policy. If you want to change your home insurance policy, you can contact your insurer.
If you’re thinking about changing your insurance coverage, you can use Credible to compare home insurance rates from multiple carriers.
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That doesn’t mean you can always file a claim with your homeowners insurance company. For example, if the damage is minor and the cost of repairs is less than your deductible, it may not make sense to file a claim because you will have to pay for it. Your insurance premium may increase when you make a claim, so filing a minor damage claim may not be worth it.
You can consider additional coverage options that may protect you from plumbing issues when your policy is not standard. The following options may help, especially if you have older plumbing or live in an area prone to sewer overflows:
Credit makes it easy to compare home insurance rates to find the best coverage for you.
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Homeowners insurance protects property owners from common problems. But does homeowners insurance cover plumbing issues? In most cases, yes – but things can be complicated, as some plumbing accidents are not covered. This guide will answer the question, “Does homeowners insurance cover plumbing?” under different conditions.
Are you asking yourself, “When does homeowners insurance cover plumbing problems?” There are many situations where there are. In fact, water damage caused by a broken pipe or related issues is one of the most common causes of insurance claims.
However, not all plumbing problems are covered. Some property owners have open risk policies. These cover plumbing and other damage – if not within the closing. Others are called perils policies and only cover listed perils, meaning they only cover plumbing problems if they are listed in the policy.
Home Insurance Facts And Statistics: Coverage & Claims
It is important to read your policy carefully. Check the fine print to see what is covered and excluded. The following are some common plumbing problems that are usually covered by home insurance policies.
When a homeowner asks, “Does homeowners insurance cover plumbing?” it’s helpful to know that it usually covers sudden and accidental water damage. Damage from an unintentional burst pipe should fall into that category. The repair of the pipe itself is not covered, but the cleaning of the water-related damage is.
Does homeowners insurance cover plumbing problems when pipes freeze? Damage from frozen pipes is usually covered, although the repair of the pipe itself is not. However, there are exceptions where damages are not paid. Damage caused by a burst pipe would not be covered if it occurred because the property owner did not maintain heat in the home.
Does homeowners insurance cover plumbing issues caused by broken pipes under a slab? Yes, in most cases, homeowner’s insurance policies cover the damage caused by leaking tile. However, the repair of the pipe is usually not paid for. Leakage damage will also not be covered if it was caused by a prohibited cause. For example, damage from a broken pipe under a slab caused by tree roots might not be covered.
Does Homeowners Insurance Cover Sewer Lines?
Some plumbing problems are excluded from cover. It can be confusing to answer the question, “Does homeowners insurance cover plumbing issues?” Carefully review the exclusions in your policy. Here are some common plumbing problems that are not usually covered.
Sewer lines connect the plumbing in a house to the main line under the street. Many standard homeowner’s policies exclude sewer line coverage. So the answer to the question, “Does homeowners insurance cover plumbing problems related to broken sewer lines?” usually not.
If homeowners are careless, this changes the answer to the question, “Does homeowners insurance cover plumbing problems?” If a homeowner takes care of a leaking faucet, the resulting damage will not be covered. Shoddy repairs, such as patching water lines instead of replacing them, can result in homeowner’s insurance denying coverage.
You might think that homeowners insurance and water leaks go hand in hand, but normal wear and tear on the plumbing system is not covered. This includes leaks and broken pipes. Homeowners are responsible for their plumbing, water, heat, and appliances such as washing machines and dishwashers that may leak.
Does Home Insurance Cover Damage From Leaking Pipes?
However, some costs are often excluded, such as mold damage. And while damages from plumbing problems are covered, repairs to the pipes themselves usually aren’t. So the answer to “Does homeowners insurance cover plumbing problems?” that is it depends on the situation.
Although a standard home insurance policy is sufficient to cover broken pipes, some damages are not usually covered, for example:
Homeowners can take steps to prevent plumbing leaks and water damage. If they do, they hope they won’t have to worry about answering the question, “Does homeowners insurance cover plumbing?”
Before submitting a plumbing insurance claim, a homeowner should read their policy carefully. The goal is to answer the question, “Does homeowners insurance cover plumbing damage in this situation?” There are other considerations too, including the extent of the damage.
Water Damage Insurance Claim Tips
If plumbing damage is covered, it usually makes sense to file a home insurance claim when problems arise. However, homeowners should weigh the amount of damage against the deductible (the amount a policyholder must pay before insurance kicks in).
If there was $2,000 in damage and there is a $1,000 deductible, it may not be worth filing a claim. Homeowners would have to pay the $1,000 deductible out of pocket before insurance would cover the rest of the loss. For a small claim, the incremental increase that results when an insurance claim is made may not be worth it.
Homeowners must report plumbing damage to the insurer as soon as possible. The insurance company will provide instructions regarding the claim application process. Usually,
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