The purpose of homeowners insurance is to protect you and your belongings against various risks. However, when it comes down to plumbing coverage, things can get a little complicated. Homeowners need to understand what plumbing issues are covered by a standard homeowners’ insurance policy.
Here’s what you need to know:
1. What Is Covered by Homeowners Insurance?
Your homeowner’s insurance will usually cover sudden and accidental damages to your home or its systems. This covers damage from burst pipes accidental leaks or plumbing failures resulting in water damage to the structure of your home or personal property. If a pipe bursts in your living room and water floods the area, your homeowner’s insurance will likely cover this damage.
2. Excluded Causes of Damage
Although homeowners insurance may cover some plumbing problems, it doesn’t cover all. Damage caused by wear and tear or lack of maintenance is not usually covered. In many cases, insurance policies exclude coverage of damages caused by negligence. For example, ignoring rusted pipes or corrosion. Natural disasters such as earthquakes and floods may also require separate insurance coverage.
3. Coverage for Sewer and Drain Back-up
Most homeowners are surprised when they learn that their standard homeowner’s insurance does not cover sewer backups. You may be responsible for any repair costs if your sewer line backups and causes water damage unless you’ve purchased specific sewer backup coverage. The additional coverage is crucial, especially for areas that are prone to flooding or heavy rain.
4. Claim Process and Documentation
It’s crucial to thoroughly document any damage you may have caused. This is especially important if you think your insurance will cover the problem. Keep records of all repairs and take photos of the damaged areas. Contact your insurer as soon as you can to file a claim. Insurance companies have different claims processes, so make sure you follow them closely.
5. Examining Your Policy
It’s important to regularly review your homeowner’s insurance policy to ensure that you are covered for any plumbing problems. Talk to your agent about the coverage and if you need more protection for plumbing-related risks.
This post was written by Kelly-Ann Jenkins of https://www.jenkinslawpl.com/. Kelly-Ann is an insurance claim Lawyer. The information on this site is not intended to and does not offer legal advice, legal recommendations, or legal representation on any matter. Hiring an attorney is an important decision, which should not be based on advertising. You need to consult an attorney for legal advice regarding your situation.
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