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.
