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Does my Property Insurance Cover Plumbing Leaks and Pipe Bursts?

Plumbing leaks can be difficult to discover. They can also come from a number of areas and appliances throughout your home and result in major damage. If you discover a pipe has burst or leaked and caused damage to your home, you may be wondering if your standard homeowner's insurance policy covers it.

Typically, most property insurance policies cover damages for "sudden and accidental" plumbing damages. This usually includes things like a burst pipe, refrigerator supply line failures, or water heater ruptures. They don't however cover the actual cause of the leak and will not pay to repair the pipe, but only the damage that ensued from the break. Also, most property insurance policies exclude coverage for pipes that have been leaking for a long period of time and have caused damage. It is important to do regular maintenance to your home to ensure any potential issues in your plumbing system are discovered before they become larger issues.

If you have damage to your home caused by a plumbing issue and your insurance company is denying or underpaying your claim, it may be time to contact an attorney. Contact our office today for a consultation.

This article is not intended to be legal advice nor create an attorney-client relationship.

Client Reviews
"I was told by my insurance adjuster that Rina was a fabulous attorney who will fight hard for her clients and he was right. She did an outstanding job communicating with me throughout a stressful negotiation process and I was so happy with the settlement she got for me. Highly recommend the Law Offices of Rina Feld!” Mark L.
I had water damage to the inside of my home and homeowners insurance automatically rejected my claim. After giving up fighting them on my own i contacted Rina and she petsonally discussed options and explained the procedure. After about 4 months my claim was resolved , Rina worked pro bono so did not cost me a penny. I now have new ceilings ! Thoroughly recommended. Christopher D.
Rina is very efficient. She always kept me updated and worked very quickly. She took the time to explain everything thoroughly and made sure that I understood, although my primary language is Spanish. Mariel C.