Categories Claim Tips

Does Homeowners Insurance Cover Pipe Burst?

Yes, Homeowners Insurance does cover water damage caused by a pipe burst, but it does not cover the plumbing repair for the burst pipe.

The 2 key questions an Insurance Company will ask when you place a Water Damage Insurance Claim is:

What was the Source of the Water Damage?
Was the Water Damage caused “accidentally and all of sudden”?
 
 

What was the Source of the Water Damage?

The source of the water damage in this example would be a burst pipe if you know that for sure. It is important to verify the Source of the Water Damage before you call your Insurance Company. 

The best way “to get all of your ducks in a row” is to have a professional Water Damage Contractor, do an On-Site Inspection and Assessment. 

The On-site Inspection and Assessment can determine what has been affected by using moisture meters…. then the Water Damage Contractor can advise you if it is worth placing a claim and if the Insurance Company will cover the claim. 

Was the Water Damage caused “accidentally and all of sudden”?

Most of the time the answer is Yes!  This question can sometimes confuse people especially if a pipe leaks without a homeowner seeing it for a few days. 

Typically, a homeowner doesn’t see significant water damage in their kitchen for instance….. then all of sudden they walk in one day and water comes up through the floor. 

Now, they know there is a problem and they act to resolve it.

Schedule A Free Onsite Inspection
Author Corbin Clow, Restorex
Categories Claim Tips

Does Homeowners Insurance Cover Frozen Burst Pipes?

Yes, homeowner’s insurance does cover frozen burst pipes…but there are some keys things to consider before placing a water damage insurance claim.

Was the home being properly heated when the pipe froze?
Is the property a rental or primary home?

Was the Home Being Properly Heated When the Pipe Froze?

The biggest reason a water damage insurance claim is denied for a frozen burst pipe, is the homeowner did not heat the home properly.  In these scenarios the insurance company will want to know, were you heating the home and can they have the utility records to prove the home was using electricity or gas.

If the heat was not being properly maintained in the home, it is likely the insurance company will claim the homeowner was negligent and will not cover the water damage caused by a frozen burst pipe.

Is the Property a Rental or Primary Home?

Insurance policies can change their coverages based on the use of the home. Sometimes a homeowner is required to move before selling their home and turns the property into a short-term rental until they are ready to sell.

 This is important because some insurance companies will require the homeowner to change the status of their insurance policy from a primary residence to a rental policy.

Schedule A Free Onsite Inspection
Author Corbin Clow, Restorex
Categories Claim Tips

Does Homeowners Insurance Cover Water Damage from Broken Pipe?

Does Homeowners Insurance Cover Water Damage from Broken Pipe?

Yes, most standard Homeowner’s Insurance Polices cover water damage from a Broken Pipe. 

Broken pipes that cause water damage by bursting “accidentally and of sudden” are covered most of the time in a Water Damage Insurance Claim.

What you Should Know about Water Damage Insurance Claims?

Water Damage Insurance Claims can be overwhelming if you do not have a professional water damage company to help you navigate the process. 

The First Step, before placing an Insurance Claim, should be to schedule an On-Site Inspection and Assessment, to determine the scope of water damage, to discuss the details of placing an Insurance Claim. 

During the On-Site Inspection and Assessment, the source of the water damage can be confirmed, and a plan can be developed to begin the water restoration services. 

Water Damage Insurance Claims Process

The Water Damage Insurance Claims Process can be described in 7 Steps:

  1. Place a Water Damage Insurance Claim
  2. Water Restoration Services
  3. Insurance Adjuster will Inspect the Property
  4. Estimates are Submitted to Insurance Company
  5. Insurance Payments are made to Homeowner
  6. Water Damage Repairs Begin
  7. Repairs are Complete and Final Payments Released

 

Author Corbin Clow, Restorex
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