Understanding Burst Pipe Insurance Claim

If the damage is sudden and accidental, damage caused by plumbing problems and appliance leaks should be covered by the homeowner’s insurance policy. When your pipes burst, for example, and water floods your home, your home insurance policy will generally cover the cost of repairing this damage, except for the actual pipe that burst. Additionally, it should cover the costs of gaining access to the pipe and repairing any drywall, flooring, or tile that needs to be replaced to reach the burst pipe.

Policies protect policyholders against unforeseen events, such as a random burst pipe. A homeowner’s policy isn’t intended to protect policyholders from preventable damage, such as mold caused by a broken pipe dripping behind a wall for five years without being fixed. Home insurance covers damage caused by plumbing problems or appliance leaks, as well as damage to your property and possessions. Both dwelling coverage and personal property coverage are included in a standard home insurance policy. The dwelling coverage protects the structure of your home. The coverage will pay for home repairs if a covered peril causes damage to your home (for instance, a burst pipe). This policy can cover the expense of replacing water-damaged drywall, for example, and water-damaged flooring as well. Your personal property is covered if you have possessions damaged due to a plumbing issue or appliance leak. Your insurance company should replace your damaged TV as well as the damaged areas of your home if; for example, the bathroom above your living room is saturated with water and runs onto your TV.