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
Categories Claim Tips

Does Homeowners Insurance Cover Water Damage from Burst Pipes?

Does Homeowners Insurance Cover Water Damage from Burst Pipes?

Yes homeowners insurance does cover water damage from burst pipes and the coverage is not as limited as other types of water damage.

When placing a water damage insurance claim for a burst pipe it is important to know 2 things before you talk to the Insurance Company.

  • Did the Pipe Burst “Accidentally and All of Sudden”?
  • Do you know the Exact Source of the Water Damage?

Did the Pipe Burst “Accidentally and All of Sudden”?

This answer should be Yes!  Hardly ever does a homeowner or building owner make a pipe burst on purpose. 

This question has confused our customers in the past, when they call the Insurance Company to place a Water Damage Insurance Claim. 

Our customers are normally already dealing with a lot because their home is flooded with water damage and then an Insurance Company will slightly integrate them on all the details of their water damage.

Rest assured you don’t need to be the expert….but it does help to have a professional Water Mitigation Company look at the water damage before calling the Insurance Company.Our team will do an On-site Inspection and Assessment of the water damage to help our customers understand the scope of the damage and explain the water damage insurance claim process.

 

 

Do you know the Exact Source of the Water Damage?

This is an important question to understand before placing a Water Damage Insurance Claim.  An Insurance Company will want to know the Source before they will confirm Insurance Coverage. 

Sometimes the source or cause of the water damage is obvious but at times it may take an expert to track down exactly what caused the water damage…

This is when a professional Water Mitigation Company and Plumber can help a homeowner navigate the source of the water before calling the Insurance Company.  



Author Corbin Clow, Restorex
Categories Claim Tips

Does Insurance Cover Water Damage?

Does Insurance Cover Water Damage?

Yes, Insurance does cover Water Damage…but there are some details to water damage insurance claims that a professional water damage contractor can answer before a homeowner places an insurance claim. 

Water Damage Insurance Claims can be frustrating if you have never been through process. 

What to Know When Placing a Water Damage Insurance Claim?

You need to know the source of the water damage before you place a Water Damage Insurance Claim.

The source will determine if there is coverage and if the coverage is limited or not…

The best way to determine the source is to have a contractor do an On-Site Inspection and Assessment to find the source and cause of the water damage. 

After the source is found, it makes it easier to explain the issue and water damage to the Insurance Company representative and to answer their questions. 

Unfortunately, the initial phone conversation with an Insurance Company can seem like an interrogation. 

They will want to know the Source of the water damage…. and did it happen accidentally and all of sudden…. they may ask for an estimate upfront.  This is mostly to determine if it is worth it for the homeowner to place a water damage insurance claim.

If you call a professional water damage contractor to Inspect and Assess the water damage, they can let you know if you should make an Insurance Claim for the water damage.    



Author Corbin Clow, Restorex
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