Your homeowners insurance frequently covers unexpected and accidental losses, such as spontaneous pipe ruptures. However, it won’t cover gradual, continuous slab leaks or other issues brought on by carelessness or poor maintenance.
Although homeowners insurance covers several plumbing issues, it often does not cover water damage that might have been avoided, such as gradual leaks or frozen pipes in an unheated home. Furthermore, homeowners insurance is unlikely to cover the cost of removing or remediating mold resulting from avoidable water damage.
What Homeowners Insurance Covers Plumbing-Related Issues?
Your homeowners insurance may compensate you for the plumbing issues that result in abrupt or accidental losses of furnishings, flooring, carpeting, walls, and technological devices. In some cases, it may cover mold and mildew cleanup as well.
If the plumbing-related damages are caused by your neighbor, their insurance may pay for the repairs. Nevertheless, you might have to pay out of pocket until the claims procedure is completed. After that, you can get reimbursements from your neighbor.
Which Plumbing Problems Aren’t Covered by Homeowners Insurance?
- Wear and tear:
Your insurer could reject your claim if you sustain damage due to poor upkeep, such as failing to fix a leaky pipe.
Your insurer may reject your claim if your damages are deemed as a careless act for not taking the proper safety measures.
- Sewer backups:
Coverage for sewage backups and pump failures are usually excluded, so ask your insurance company about alternative coverages to stay covered against such damages.
If you reside in a high-risk flood zone, you should buy a flood insurance policy, as your homeowners insurance does not cover flooding.
Ways Home Insurance Cover Plumbing Damages
Some coverages of homeowners insurance reimburse you for plumbing issues, including:
- Dwelling coverage:
Your home’s architecture and inside fixtures, like the water heater, are covered under dwelling coverage. For example, it might include ceiling repairs, pipe problems, and other related damages.
- Personal property coverage:
Your possessions, including gadgets, rugs, and furniture, are protected by personal property coverage from losses.
- Other structure coverage:
Detached constructions such as guest residences or detached garages that sustain deterioration due to plumbing issues are covered.
- Loss-of-use coverage:
If you cannot stay in your home while repairs are being done, loss-of-use coverage will cover your hotel and meal expenses.
- Personal liability coverage:
If your plumbing problems cause damage to a neighbor’s property, personal liability insurance can reimburse you for the damage.
How to Prevent Plumbing Problems
For homeowners, keeping up with maintenance and repairs is a must. A house experiences wear and tear over time, even in areas you can’t see. For example, pipes will probably require regular maintenance even if your plumbing system is functioning properly. Otherwise, you cannot avoid plumbing issues.
Here are a few ways to reduce your risk of plumbing issues:
- Make sure to insulate your pipes
- Invest in a water monitor
- Get your pipes inspected annually
- Flush with caution
Home insurance serves to protect against damage brought on by unplanned occurrences like a storm, fire, or falling object. However, it typically does not cover most plumbing problems because they are maintenance issues. Consult with your provider to know what types of plumbing issues your home insurance covers and act accordingly.