Does Homeowners Insurance Cover Broken Water Pipes?

Does Homeowners Insurance Cover Broken Water Pipes?

Most homeowners insurance policies will cover damage caused by broken pipes and other plumbing problems, but there may be some exceptions. Your insurer will have the most accurate and up-to-date information on what is covered under your policy.

If your home suffers damage from a broken pipe, you should first call LAC Heating & Air to fix the problem. Our plumbers are well-trained to provide plumbing service in Pasadena, CA. Once we resolve the plumbing issue, you can file a claim with your homeowner’s insurance company. Ensure to take photos of the damage and keep any receipts for repairs made. Once you file a claim, your insurance company will send an agent to assess the damage and determine how much they will reimburse you.

Different Types Of Damage

Different types of damage can occur from broken pipes. The most common is water damage, which can ruin flooring, walls, and personal belongings. Frozen pipes are also a risk if you live in an area with freezing temperatures. When the water in the pipe freezes, it expands and can cause the pipe to break.

All of these different types of damage can be costly to repair, so it’s necessary to have adequate protection in place. Homeowner’s insurance will typically cover most, if not all, of the costs associated with broken pipes and other plumbing problems. However, there may be some exceptions. It’s always best to consult your insurance agent to determine what your policy covers.

What Kind Of Coverage Do You Require For Broken Pipes?

There are different types of homeowner’s insurance policies, and each one offers different levels of coverage. Basic policies will typically cover damage caused by broken pipes and other plumbing problems. However, you may need additional coverage to protect yourself from more costly repairs.

Water damage is frequently covered as part of personal property coverage, dwelling coverage, and loss of use coverage. Speak with your insurance representative to ensure that water damage loss is covered in each component of your home insurance policy.

What If Your Insurance Claim Is Not Approved?

No one wants to hear the word “denied” regarding their insurance claim. But unfortunately, claims are denied for various reasons. If your claim is denied, don’t despair. Here are a few options you can take:

  • Read over your policy carefully- there may be a clause that states under what circumstances benefits will not be paid out.
  • You can also appeal the decision by providing evidence of the damage and proving evidence a broken pipe or other plumbing problem caused it.
  • Seek professional help if needed- especially if this is a complex issue.

Calling an experienced plumber to fix a broken pipe is essential when dealing with this kind of damage. At LAC Heating & Air, we have certified plumbers in Whittier, CA, to service your home. Give us a call today at (562) 600-4311 for more details.

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