Does Homeowners Insurance Cover Plumbing Issues?
- Prodigy Plumbing
As a homeowner, you are responsible for the maintenance and repair of your home, including any plumbing issues that may arise.
While your homeowners insurance policy will provide some protection in the event of damage to your home or property, it typically does not cover the cost of repairs to your plumbing.
There are a few exceptions, however, where your homeowners insurance policy may help to cover the cost of plumbing repairs.
In this blog, we discuss what is and is not typically covered under a homeowners insurance policy when it comes to plumbing repairs. We’ll also tell you what to do if you’re faced with plumbing issues and need professional help.
What Does Homeowners Insurance Cover?
Homeowners insurance is a type of property insurance that covers your home and possessions in the event of damage or loss.
Most policies cover the structure of your home, personal belongings, liability for injuries sustained on your property, and temporary living expenses if your home is uninhabitable.
However, some things are not typically covered by homeowners insurance, such as flood damage, earthquakes, and routine maintenance.
Plumbing issues are also not typically covered by homeowners insurance, but there may be some exceptions depending on the cause of the damage.
What Causes Plumbing Issues?
Various things can cause plumbing issues in your home, ranging from simple clogs to more serious problems like burst pipes. Some of the most common causes of plumbing issues include:
- Clogged drains
- Leaking pipes
- Frozen pipes
- Burst pipes
- Foundation problems
So, are any of these covered by homeowners insurance? Let’s take a closer look.
When Does Homeowners Insurance Cover Plumbing Issues?
If your plumbing is damaged due to a covered peril, such as a fire or severe weather, your policy may help pay for the repairs. Additionally, if your plumbing is damaged due to an act of vandalism, your policy may also provide coverage.
It’s important to note, however, that most homeowners insurance policies have limits on the amount of coverage they provide for plumbing repairs.
Moreover, some policies may exclude coverage for certain plumbing issues, so it’s always a good idea to check with your insurer to see what is and is not covered under your policy.
Contact Prodigy Plumbing for a Free Estimate
As you’ve seen, there are a lot of different factors that go into whether your homeowners insurance will cover plumbing issues. The best way to know for sure is to contact your insurance company and ask them directly.
But what if you have a plumbing problem on your hands and you need help right away? That’s where we come in. Prodigy Plumbing is here to help with all your plumbing needs. Contact us today to schedule service.
We offer a free estimate for all of our services and will be happy to help you figure out the best course of action for your particular situation.