Does Home Insurance Cover Pipe Leaks?

A typical home insurance policy won’t cover pipe leaks without some form of supplemental insurance outlining coverage for leaky pipes. There are rare exceptions, and some insurance policies do offer extra coverage, but never assume yours will cover you in the event of a flood in your home due to leaky pipes.

Your insurance policy may cover pipe leaks if your pipes fail to work without reasonable cause. This usually occurs due to defective pipes or third-party maintenance failures. Simply put, if a contracted worker installs pipes in your home and fails to properly secure them or leaves a hole open and a leak happens, your insurance policy might cover you.

Otherwise, you might be out of luck. Insurance providers consider pipe leaks to be the result of poor maintenance on the part of the homeowner. They’ll cite “poor maintenance practices” and claim you, as the owner, were responsible for routine checks on your pipes and replacing any that were worn or damaged. It’s important to keep an eye on your pipes and replace any that are wearing out.

You can purchase supplemental insurance to help cover the costs in the event of an accident. When doing so, be sure to keep records and receipts of all work and inspections done on the pipes in your home.

If you’re unhappy with how your home insurance company has dealt with your leaky pipes claim, give a licensed agent a call. They can help you find a home insurance policy that provides you with all of the coverage you need at a price you can afford.

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