Does Home Insurance Cover Plumbing Issues?

Home insurance is very complicated, and many homeowners are unsure which types of damage their home insurance policy actually covers—and which types of damage it doesn’t cover. Plumbing insurance claims may be a confusing topic, initially. It’s important to know the details of what your home insurance policy covers so that you are not blindsided with unexpected expenses due to some type of damage that occurs in your home.

Plumbing-related damage is one of the most common gray areas with regard to home insurance coverage. The question of whether or not home insurance covers plumbing issues, unfortunately, doesn’t have a simple answer. Most home insurance policies do cover plumbing-related damage that is sudden or unexpected. For example, if your water heater that is fairly new and should be in good condition springs a leak without warning, your home insurance policy will likely cover any resulting water damage.

However, plumbing problems that can be explained by poorly maintained or aging pipes or appliances are usually ​not ​ covered by most home insurance policies. If you haven’t updated your toilet’s plumbing in 20 years and your toilet overflows, you may not be able to count on your home insurance policy to cover the costs of repairing the resulting water damage.

Furthermore, it’s important to keep in mind that home insurance generally only covers damage that occurs due to plumbing issues that are caused by structures, systems, or appliances that are actually inside of your home. Most home insurance policies do not cover water damage that is caused by something outside of your home—such as an overgrown tree root.

Home insurance sometimes covers additional costs related to plumbing damage as well. For example, your home insurance policy may reimburse you for some of the costs incurred if you have to replace furniture or valuables due to water damage in your home—or if you are forced to temporarily relocate from your home to a hotel in the case that the water damage in your home is particularly severe or dangerous. However, these types of additional coverage are even more complicated and vary widely depending on your specific home insurance policy.

Valve Adjustment

Valve Adjustment. Plumbing Technician at Work.

What to Do if Your Claim is Denied?

Dealing with home insurance can be frustrating, time-consuming, inconvenient, and stressful. If your plumbing insurance claim is denied—or if you are struggling to understand how to go about making sure that plumbing repairs in your home are covered by your home insurance policy—give Accurate Leaks Locators and Plumbing a call today.

Accurate Leaks Locators and Plumbing is a family-owned and operated professional plumbing company with more than three decades of experience. They are based in Southern California and have customers within a wide service area that spans all the way from North San Diego through Los Angeles and beyond.

Accurate Leaks has partnered with countless home insurance companies for more than 25 years. They are approved by and have previously partnered with some of the top insurance companies in the nation, including but not limited to: Century National, Nationwide, Safeco, CSE, Farmers, State Farm, Travelers, and Mercury.

One thing that makes Accurate Leaks Locators and Plumbing an ideal resource for homeowners who are struggling to work things out with their home insurance company is that they communicate directly with your insurance company—which means you don’t have to do it yourself. After thoroughly inspecting your home, a plumbing expert from the Accurate Leaks team will send an itemized list of necessary repairs to your insurance adjuster. They will handle all direct communication with your insurance company and will bill for all repairs directly through your insurance company as well.

Plumbing Professional

Plumbing Professional

Customer service is absolutely the number-one priority for Accurate Leaks Locators and Plumbing. Dealing with plumbing problems in your home is stressful enough without having to go back and forth with your home insurance company to secure coverage. The team at Accurate Leaks goes above and beyond to make sure you get the repairs you need without delay and without unnecessary frustration or confusion. They communicate directly with your insurance company in order to minimize your stress during the entire plumbing repair process and bill your insurance companies directly in order to prevent you from having to pay for repairs out of pocket upfront and wait for later reimbursement from your insurance company.