Does Your Home Insurance Cover Plumbing Problems?

Plumbing & Home InsurancePaying for an emergency plumber to fix a leak doesn’t always have to come out of your pocket. Depending on the nature of the problem, your home insurance may foot the bill. Keep in mind, though, most insurance companies will not cover the cost if they decide you could have prevented the problem. Having worked with many insurers, we have a pretty good idea of the types of plumbing problems covered by home insurance.

Plumbing Problems Your Home Insurance may NOT Cover

Water damage is the most common home insurance claim. Unfortunately, for the homeowner, not all claims will be honored if the cause of the problem was due to your negligence. A typical hidden plumbing leak, for example, is usually not covered by insurance, because such problems could have been prevented by the homeowner with basic maintenance and care.

Other scenarios not covered by insurance include leaks from appliances, such as a washing machine that is way overdue for a repair or replacement.

If your pipes happen to freeze in the winter — which does happen sometimes in the Lynnwood area — then you can forget about insurance covering that. Frozen pipes are easily preventable by keeping the home heated. This is something to consider as summer begins to wind down.

What Insurance Does Cover

Generally, insurance covers problems that are considered sudden or accidental. This means the unexpected malfunctioning of an appliance or the unforeseen bursting of a pipe. Experts recommend that you keep records of all residential plumbing repairs and maintenance, as well as appliance purchases. The insurance company will find information in them helpful as it decides your case.

Call South County Plumbing to have a leak or other plumbing mishap looked at. We do provide discounts to make repairs affordable if a plumbing problem isn’t covered by home insurance.
Edited by Justin Vorhees

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