The Importance of Basement Dehumidification
Call Us Now: 317-315-5071
Burst Pipe Insurance Claim Tips
Water Damage caused by a Burst Pipe is covered well for most of the Homeowners Insurance Policies but…
When placing a Water Damage Insurance Claim for a burst pipe, there are two important things to keep in mind:
1. Was the Burst Pipe water damage “Accidental and All of Sudden” ?
2. Where is the location of the Burst Pipe
Was the Burst Pipe water damage “Accidental and All of Sudden” ?
When placing a water damage insurance claim for a burst pipe, an insurance company will ask a couple of questions before they give you the “green light” to get started on the water restoration.
One of those questions is was the Burst Pipe “Accidental and All of Sudden”…the majority of the time this answer is Yes!
There are few times when a homeowner will purposely break a pipe or negligently cause a pipe to burst.
Where is the location of the Burst Pipe? The location of the burst pipe does make a difference.
If the Burst Pipe is within the foundation of the home, then you are good, and Insurance Coverage should not be an issue.
Does Home Insurance Cover Water Damage?
Yes, Home Insurance does cover Water Damage…but there are some important facts to know about placing a Water Damage Insurance Claim.
What is the Source of the Water Damage?
Is the Water Damage “Accidental and All of Sudden” ?
What is the Source of the Water Damage?
The source of the water damage is the key to understand if you have Insurance Coverage for your water damage.
Broken Pipe Insurance Coverage
For example, if you have a broken water pipe that causes significant damage, this source of water damage is covered in a typical Homeowners Insurance Policy.
Drain Backup or Sump Pump Backup Insurance Coverage
Now, a drain backup or a sump pump backup could be limited depending on how the policy is written. Limits we see most often are $5,000, $10,000 and $25,000.
Learn more about Water Damage Insurance Claim Coverage.
Is the Water Damage “Accidental and All of Sudden” ?
Another fact to keep in mind when placing a Water Damage Insurance Claim, is was the water damage “Accidental and All of Sudden”? Most likely the Insurance company will ask this question when you call to place a claim. Most of the time the answer is Yes!
Nobody plans to have significant water damage in their home…. but if there are obvious signs of negligence, an Insurance Adjuster could decide not to provide Insurance Coverage.
Does Homeowners Insurance Cover Broken Pipes Under Slab?
Yes, Homeowners Insurance does cover water damage caused by broken pipes under slab…. But there are some specifics that can help a homeowner save money, when placing a Water Damage Insurance Claim.
An Insurance Company will not pay to repair the Source or the Cause of the Water Damage…. But they will pay for a plumber to find and access the Source of the water damage.
Insurance Claim Tips for Broken Pipes under a Slab
Again, the insurance company will pay for a leak detection company and a plumber to find and get access to the broken pipe under a slab.
This is good…because to find and get access to the broken pipe, it may cost $2,000, while the small pipe repair may cost $100.
If you are working with a Water Damage Contractor that specializes in Water Damage Insurance Claims, they can help you navigate these charges with the Insurance Adjuster.
Our team has helped many customers with Broken Pipes under a slab and helped them receive compensation for the plumbing repairs through their Water Damage Insurance Claim.
