Know When Your Homeowner's Insurance Covers Broken Pipes, and When it Does Not
When Does Your Homeowner's Insurance Cover Broken Pipes and When Does It Not?
You may have heard that homeowners insurance doesn’t cover water damage, and while this is true in many instances, it is generally not true in the case of a broken pipe. While most policies won’t cover the broken pipe itself, they will cover the ensuing damage, such as weak drywall, ineffective insulation and ruined carpet. If you recently experienced a flood of water because of a pipe burst, it is important that you understand what your insurance policy does and does not cover. Though this post can give you an idea, the best thing you can do is contact your Showboat, NV, insurance provider regarding your coverage.
Some factors your insurance adjuster may consider when examining your claim include:
- The cause of the broken pipe
- Whether you were negligent in the care of your pipes
- Preventative measures employed by you prior to a pipe burst
- The type of damage
Was Negligence at Play?
While most homeowners insurance agencies agree to cover water damage, they do so under the condition that homeowners do their best to maintain their premises. Part of home maintenance includes eliminating hazards, fixing noticeable damage before it becomes a problem and taking proper preventative measures. If an adjuster determines that you did not fix a broken pipe when it started to leak or that a lack of heating caused your pipes to burst, your claim may be denied. However, if you did everything in your power to prevent a flood, your agency cannot rightfully deny your claim.
What Type of Damage Is Present?
Fortunately, most homeowners policies are fairly extensive when it comes to water damage. Basic homeowners insurance coverage should cover the cost of damaged drywall, carpet, framing, woodwork and restoration efforts if the damage was sudden and unpreventable. However, any type of gradual damage is not likely to be covered.
Every homeowners insurance policy is different, and what may be covered by one company may not be covered by another. If you want to know whether the flood damage in your home is covered by your policy, the best thing you can do is talk with your provider.