Does Homeowners Insurance Cover Water Damage by Leaky Plumbing ? Insurance policies can get tricky. One must be patient enough to read the finer details of your policy to ensure that your home is covered by any water damage caused by leaky plumbing.
Your plumbing system is an integral part of your house. When it malfunctions a lot of problems can arise. It needs regular checkups to prevent any unwanted damage done by faulty pipes or clogged drains. Plumbers in Flint Michigan is dedicated to not only educating our clientele but at the same time providing excellent service at an affordable rate.
So, does homeowners insurance cover water damage by leaky plumbing? Let’s discuss it!
An Overview Leaky Plumbing
The usual homeowner’s insurance policy covers only sudden or unexpected water damage because of a plumbing malfunction or a bursts pipe. But if the damage done to your house is because of a gradual but slow and constant leak then your insurance provider might deny you any coverage at all.
This is also quite true for damage done by a regional flood. Damage because of mold, may also be excluded from any standard policy but is dependent on the cause. If this is the case for you then it’s important to talk to your provider to add damage done by leaky plumbing as an optional rider.
So what does your Insurance Policy cover?
Here are most likely some of the things your insurance covers.
Dwelling Coverage Leaky Plumbing
Your dwelling coverage should insure the structure of your home. That refers to your roof, floorboards, and walls. If there is a part of your house that is damaged by a leak that is covered, or for example you need to remove a portion of your wall to repair a leak, then your dwelling coverage should get you a reimbursement. Built-in appliances, like your water heater, should also be covered once damaged.
Property Coverage Leaky Plumbing
Your policy should also reimburse you for personal property like clothing, television, and furniture destroyed when a sudden plumbing malfunction causes damage to your dwelling.
Certain luxury items though such as your jewelry may be covered up to only about $1,000 to $2,000. Again you can always add this as an optional rider to your insurance policy.
Your claim for any coverage may be denied if –
Your insurance provider may assess the situation whether it’s really caused by a sudden plumbing accident or not. An insurance adjuster will be deployed and some aspects may be checked. These are:
- The location of the source of the damage of or the pipes
- If the damage is from a new or old leak
- Signs of any deterioration or rust and any signs of future leaks
- And whether the leak is just because of the wear and tear in your plumbing system
It’s also important to take note that anything caused by flood damage would most likely be not covered and at the same time any mold damage. You do however have the option to go for mold coverage.
Lastly, a leaking toilet may be covered by your policy but a flooded sewage system is not. This is still true even if it’s the reason why your plumbing system overloaded. The best thing for you to do here is to make sure that your plumbing system does not suffer from lack of maintenance or else most of your claims may be denied.
That’s why you must contact us at Plumbers in Flint Michigan for any possible leaks or plumbing issues. We’ll give you a free quote and at the same time discuss what service is best for your current situation. Visit our website for your details!