Take These 3 Steps To Determine Whether Your Homeowners Insurance Covers Your Broken Pipes

5/19/2022 (Permalink)

More water damage is caused by broken pipes.

Does Homeowners Insurance Cover Broken Pipes

If a flood has occurred in your San Jose, CA, home, you may be wondering how you'll find the money to cover that damage. The good news is your homeowner's insurance may pay for the repairs.
Before you do anything else, however, you need to get the water out of your home and the damage repaired right away. Contact specialists in water damage restoration to make everything as good as new. Then look at the following factors to determine if your policy will cover the damage costs.

1. Read Your Policy To Determine Your Insurance Coverage
The first place to start is by looking at your insurance policy to determine what kind of damage is covered. Most policies will pay for harm that incurs from a sudden flood as well as the costs to fix broken pipes and other repairs. If you're uncertain, consult with your insurance agent.

2. Look at the Type of Damage
If the damage is the result of a slow leak, that's generally not covered by your policy. You are the homeowner and are responsible for all maintenance and repairs, and if you don't repair leaks when you discover them, you can't expect insurance to cover damage caused by your negligence.
Damage from a burst or broken pipe, on the other hand, causing a sudden flood is covered by most insurance policies.

3. Document Everything
It's important to document everything and keep all receipts, not only of the repairs after a pipe burst but also all maintenance you've done on your home over the years. That way, you can prove that you were diligent in caring for your home.
A pipe bursting in your home can be a pain, but with the right help and by documenting everything both before and after the damage occurs, you'll restore your home in no time.