Does Homeowners Insurance Cover Plumbing?

a home insurance application form next to tiny model home and home insurance bindersProblems with plumbing can lead to some serious water damage if left unchecked. Even a simple clogged toilet can wreak havoc if you ignore it. If you’re struggling with water damage from plumbing troubles, you need to know whether your home insurance will cover you.

Does homeowners insurance cover plumbing? What can you do if you experience plumbing issues?

From leaky pipes to sewage backups, you should know what your insurance can and can’t cover. Here’s everything you need to know about what your home insurance policy covers.

Does Homeowners Insurance Cover Plumbing?

Most homeowners insurance policies will cover problems caused by faulty plumbing or sudden accidents. For example, hidden leaks you weren’t able to detect can lead to serious water damage; your insurance plan will take care of this.

Your home isn’t the only thing that insurance will cover. There are a few different coverages that your insurance plan may include, such as:

  • Dwelling coverage, which protects your home as a whole
  • Other structures coverage, which will protect buildings or structures next to your home, such as a tool shed or separated garage
  • Personal property coverage, to protect any of your belongings that take on water damage because of faulty plumbing
  • Loss of use coverage, which will kick in if you need to spend any time outside of your home while the damage is repaired

Your insurance plan will limit the exact amount you can receive in compensation, so be sure to look at your homeowners insurance to find more specific information. You will need to file a home insurance claim before you can get compensated. If you have any doubts or concerns, speak with an attorney to figure out your options!

What Won’t My Insurance Cover?

While your home insurance plan may cover most plumbing problems, there are situations that your plan won’t cover. Most of these issues stem from general neglect of your plumbing system. If the problem could have been avoided with reasonable means, then you will be out of luck.

Obvious Leaks That Lead to Mold, Mildew, or General Water Damage

Hidden leaks that cause mold to form are one thing, but if you can visibly see the leak and could have repaired it, then you won’t be compensated. Any mold or mildew that forms because of the water damage will be your responsibility. The same applies if the leak causes water damage to your home or belongings; you will be liable for any repair or replacement costs for the damages.

Sewer Line Backups

Sewer line backups and clogged pipes are not covered by most home insurance policies. If your toilet or sewage system were to overflow and lead to water damage, you will be responsible for the repair costs.

Frozen Pipes That Burst

Have you neglected to check on your pipes during the cold winter months? If so, then you should get to checking on them. Should they freeze and burst because of your own neglect, your insurance company will not pay for the damages. Make sure you take the proper steps to protect your pipes for winter!

Signs Of Leaky Pipes

Are you concerned about potential leaking pipes hiding behind your walls? There are some signs that you can watch for that point to damaged and leaking piping.

Your first sign of a leak will be the appearance of the wall; is it distended or distorted? Has it become discolored or stained? These are all indications of water damage behind the wall.

You can also listen for subtle sounds behind the wall. Pick a time when the home is quiet and lean against the wall where you suspect the leaking pipe is. You may hear dripping or running water just behind the wall.

A final indicator will stand out even if you can’t immediately see or hear the leaking pipe. Have you noticed musty, acrid odors in certain rooms of your home? Water damage can lead to mold and mildew buildup, which both give off distinct scents. The moment you smell something off, start running a dehumidifier or fan in the area to prevent mold growth.

What Should I Do If I Detect Possible Plumbing Problems?

The moment you find yourself caught with any plumbing problems, contact a professional for help. While you may be able to take care of basic toilet clogs or visibly damaged pipes, a plumber will know what to do to fix your situation before you get a large amount of water damage.

Before you clean up the mess, make sure you get photo documentation of the damages for your insurance company. They will want to know exactly what happened when you file your claim. The more images you have, the better!

Try to move your belongings away from any leaks to protect them from water damage. This is especially important when dealing with electronics! Keep everything elevated and away from the floor to keep you and your belongings safe.

Finally, opening windows and running dehumidifiers or fans will help prevent mold and keep water damage to a minimum until help can arrive. Hang out any soaked mats or rugs and clean up standing water with a vacuum or sump pump as well.

Prepare Yourself Before An Accident Happens

Now that you have the answer to the question “does homeowners insurance cover plumbing”, you can rest easy knowing that your troubles will be taken care of. Remember to always contact a plumber with your biggest problems and talk to an expert if you need help to file an insurance claim!

Are you looking to buy homeowners insurance but don’t know where to look? We’re here to help. Contact us with questions you have about our insurance policies and continue reading our blog for more helpful tips today!