When a pipe burst occurs on your property, you’ll need help fast.
Nearly all homeowners’ insurance policies cover plumbing issues when they are sudden and accidental. For instance, if your pipes burst from accidental damage, or if your toilet overflows and leaks into subflooring, then your homeowners’ insurance is likely to cover the cost of repairs. In these cases, filing a homeowners’ insurance claim is straightforward.
With good coverage, you can probably expect your homeowners’ insurance policy to cover leaky pipe repairs such as tearing out walls, water damage, mold repair, replacing tiles, subfloors or ceilings – essentially, your homeowners’ insurance policy will likely cover everything with the exception of the leak itself.
If you performed repairs prior to filing the claim, you may or may not be covered under your homeowners’ insurance policy.