Does Homeowners Insurance Cover Burst Pipes?
Emergency Plumbing
After the panic of a flood subsides, the worry about cost begins. Generally, homeowners insurance covers water damage, but there are specific caveats you need to know.
What is Usually Covered
Insurance typically covers 'sudden and accidental' discharge.
- A pipe that bursts due to freezing.
- A supply line to a washing machine that snaps.
- Note: They cover the *damage* (drywall, floors), but usually *not* the cost of the plumber to fix the pipe itself.
What is NOT Covered
Insurance denies claims based on 'gradual damage' or neglect.
- Slow leaks: If a pipe has been dripping for months and causing rot, insurance will deny it because you should have fixed it sooner.
- Lack of Heat: If you went on vacation in winter and turned your heat off, causing pipes to freeze, the claim will likely be denied due to negligence.