Are Plumbing Leaks Covered By Home Insurance?

The loud crack sound of a busted pipe is not the type of thing you want to hear first thing in the morning while you are taking a shower. Yet plumbing problems can happen anytime, and they can cost a lot of money to repair. One question you may have as a homeowner is whether your home insurance covers plumbing leaks?

Put aside your worries. Most home insurance will cover plumbing problems so long as you report it to the insurance company as quickly as possible. You will have to check out your insurance policy to see what type of coverage you have. All policies will be different, but you may find the following items covered:

  • Cost of tearing out the wall to fix the leak
  • Water damage
  • Mold removal and repair
  • Cost of repairing the wall

The actual repair of the leaking pipe may be the only thing that won’t be covered by the insurance policy. Review your policy with your agent to find out all the details. Most policies will cover sudden accidental plumbing leaks. Only a few will provide coverage for leaks that have been long term.

To find out more about home insurance and basic coverage, please contact Warrior Insurance for your needs.

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