Does Homeowners Insurance Cover Broken Pipe Repair?

11/30/2020 (Permalink)

Every homeowner should have homeowner’s insurance for residential property in Hamilton Park, TX

Homeowners are often curious whether the cost to fix broken pipe and the damage plumbing problems can cause at a residence are covered by property insurance. Most homeowner’s insurance policies cover sudden, unforeseen problems, but not an outdoor flood or systemic plumbing issues that go unresolved at a home in Hamilton Park, TX.

Check the Policy for Coverage

It is important to know which perils are covered by a particular homeowners insurance policy. Coverage may be available for the following mitigation and cleanup measures:

• Extraction
  
• Drying
  
• Pipe repair
  
  

Homeowners must be able to prove that no warning signs were present prior to a pipe break to seek coverage for plumbing repairs. Water damage caused by well-maintained pipes is typically a covered peril.

Maintain Plumbing In Your Home
Keeping maintenance records is the best way to maximize the amount of insurance coverage that may be available for any water damage that is not due to flooding or sewer backups. Both of these types of water damage are excluded from most homeowner’s insurance policies and require supplemental flood or sewer damage coverage.

Document and Mitigate Damage
Insurance adjusters rely on a combination of documentation submitted by policyholders and in-person inspections to assess damage. A homeowner has the responsibility to take photos or videos of a property after damage occurs or have restoration professionals document damage.It may be easier to back up a claim if you also have footage of the same areas that predates damage. Mitigation can start as soon as water damage has been documented, even if an adjuster has not arrived on location.
Every homeowner should have homeowner’s insurance for residential property in Hamilton Park, TX. Making sure flood coverage is available, maintaining plumbing and taking a practical approach to documenting damage and pursuing restoration increase the likelihood that insurance will cover more of the total cost of a plumbing damage claim.