The water lines to your home carry water throughout it. They work reliably and long-term in most cases. Yet, there are times when a break can occur. When this happens, it can leave you without the ability to use your home. And, you may face substantial damage repair needs. Home insurance does not cover many types of water pipe breaks. It can cover some types of water damage, though. How can you determine if you have coverage?
What Does Home Insurance Cover with Water Lines?
Water lines move water into the home. They move water throughout your home as well. This includes to faucets, toilets, the dishwasher, refrigerator, and other systems. These pipes can suffer damage for various reasons. Sometimes, they wear down. In other cases, they freeze and burst. Depending on the situation, your home insurance may offer some help to you after such an event occurs. Here are some examples of what to expect.
First, recognize most home insurance policies will not pay for the water pipe repair. However, it may help pay for the damage caused by the leaking pipe. If you have all-peril home insurance, check with your agent to learn when your policy applies.
Sudden and Unexpected Losses
The water lines freeze due to very cold temperatures in the basement. The water lines break after someone damages them through an accident. These sudden, unavoidable, and accidental concerns are tough to deal with. Your home insurance may cover some losses here.
Poor Maintenance and Leaks
In some situations, it is possible for pipes to wear down. A leak may occur over time. It may worsen until the pipe breaks. Sometimes minor leaks occur behind walls and under cabinetry. You may not know they are there until there is significant water damage.
What to Do When a Water Line Breaks
After turning off the water, contact your home insurance agent. Some policies may cover the cleanup and water extraction. This depends on the specific cause and the details of your policy. You also will want to find out if the policy will help with the replacement of damaged and lost items.
Your home insurance agent will help arrange for any services you need if you have coverage. If you live in an area where water lines are older, you may also want to speak to your water company. Some offer plans to help defray some of the cost if a water line break does occur on your property.
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