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.
