Categories Claim Tips

Burst Pipe Insurance Claim Tips

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.

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Author Corbin Clow, Restorex
Categories Claim Tips

Does Home Insurance Cover Water Damage?

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.

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Author Corbin Clow, Restorex
Categories Claim Tips

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. 

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Author Corbin Clow, Restorex
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
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