How to Find Out if Plumbing Leaks Are Covered By Insurance

How to Find Out if Plumbing Leaks Are Covered By Insurance

Home insurance typically covers damage caused by water, fire, and other natural disasters. But it doesn’t protect your home against costly plumbing issues like leaks. If you have a leaky faucet, burst pipe, or damaged sewer line, you could be out of pocket big time. Fortunately, you can find out if your plumbing is covered by homeowner’s insurance. Here’s how:


Look for Water Damage Coverage in Your Home Insurance

Homeowners policies typically cover water damage resulting from storms, rain, or even a broken water main. If you have a leaky faucet or burst pipe that causes water damage, you should be able to get coverage for the repair cost under your homeowner’s policy. If you don’t see a water damage clause in your policy, call your insurance company to ask about adding it. Don’t just assume it’s included. Your agent may not be aware of the clause or the change may take a few days to take effect.


Examine Your Sewer Line Coverage

Most homeowner policies do not cover sewer line damage. If your sewer line bursts, you could be out of luck. To avoid this expensive situation, look closely at your coverage under your home insurance. If your sewer line is not covered, you will be responsible for the repair cost. Many policies do have a sewer coverage provision, but it’s usually buried at the end of a list of other things covered by the policy. Be sure to read the fine print so you know exactly what the policy covers. Keep in mind that the policy exclusion may also apply to your city sewer system. If the pipe that runs to your septic system bursts, you will be responsible for the repair cost.


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Find Out if Your Plumbing Is Covered Under Your Basement Insurance

Many homeowners policies cover damage to your home’s structures, but not your plumbing. You may be able to get coverage for your plumbing under your homeowner’s policy. Ask your agent about it. If not, consider getting a separate insurance policy for your plumbing. Homeowner’s policies typically only cover damage to your home’s structures. The cost of repairs to your sump pump, water heater, or other part of the plumbing system is not covered. But if your sewer line breaks and drains into the basement, your homeowner’s policy may cover the expense.


How Much Does a Burst Drain Cost?

If you have a leaky faucet, a burst pipe, or a damaged sewer line, you need to call a plumber right away. If you don’t, food, grease, and sink water will clog your pipes. This can damage the pipes, leading to a costly replacement. Depending on the severity of the damage, you may have to call a plumber right away or wait until the next day to avoid backups and overflows. If your drain pipe has burst or is cracked, you may have to call a plumber immediately. The cost of a burst drain depends on the size of the pipe and the location of the burst. A small burst in a basement may be covered under your homeowner’s policy. A burst on a main street may cost $1,000 and up.


Summing up

Finding out if your home is covered by homeowner’s insurance is crucial. Not only will it help protect your assets in the event of a disaster, it will also help you get the insurance payout for the repair cost of a leaky faucet. You may be surprised by how much damage a burst pipe can do. Blocked drains, clogged pipes, and overflowing toilets can cause serious damage to your home. Make sure your insurance covers these issues.


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