Does Homeowners Insurance Cover Plumbing?

​Plumbing expenses can be costly, especially when you frequently incur them. You may consider buying or renting a new home or appliance to lessen the costs of plumbing expenses. What if you can’t afford to do so? 

Below are the plumbing matters that homeowners insurance usually covers and don’t cover: 

Plumbing Matters Covered 
Plumbing issues can be a nightmare for any homeowner. Fortunately, most homeowners insurance policies will cover at least some of the costs associated with plumbing repairs. However, it is important to check your policy carefully to see what is covered. 

Frozen Pipes in Heated Homes 
Homes in neighborhoods with freezingly cold temperatures have pipes that happen to freeze and become busted from time to time. If you live in these areas, your insurance provider may cover your plumbing problem if your home has a heater. 

Heaters may malfunction now and then, just like any appliance. So, insurance companies may consider pipes bursting due to cold temperatures accidental. 

Burst or Broken Pipes 
If insurance investigators discover the pipes have become damaged accidentally upon investigation, the insurance may cover the matter. Take caution that you can’t get away with getting coverage by intentionally damaging the pipes yourself. Many investigators are skilled in detecting fraudulent claims for homeowners insurance coverage. 

Broken Appliances or Plumbing Systems 
Just like any other thing, appliances are not perfect. This means that appliances are prone to malfunction from time to time, just like how people get sick. If your appliance malfunctions, such as a leaking washing machine, the insurance provider may cover this plumbing incident. 

Plumbing Matters Not Covered 
Many policies limit the amount of money that will be paid out for repairs, so it is important to be aware of these limits before you file a claim. By understanding your coverage and taking steps to prevent damage, you can help minimize the financial impact of plumbing problems.

Pipes Being Damaged Due to Aging 
If your pipes are damaged due to corrosion or aging, your insurance policy may not cover their replacement. Aging is a natural process that appliances go through. So, appliances being damaged due to aging may not be considered accidental.
 
Pipe Leaks or Molds 
Leaks and molds in appliances naturally materialize, mostly due to biological changes in situations in the home environment. So, insurance providers normally may or may not cover pipe leaks or molds. If the pipe leaks in hidden areas, they may be covered, depending on the leak’s exact location. Molds that form in areas not easily accessible may also be covered. 

Conclusion 
Plumbing accidents often happen accidentally. However, choosing the place where you live contributes to minimizing the chances of its occurrence. 

At Hayek Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (805) 496-8835 or Click Here to request a free quote. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.