Plumbing leaks and frozen pipes can cause extensive damage to your home. If the damage occurs suddenly and you have no fair warning, your homeowners insurance will normally cover the damages. If you properly maintain your home, many plumbing issues will be identified and fixed before they have a chance to do major damage. There are times, however, when an unexpected leak occurs even though you are careful with your system.
Does Homeowners Insurance Cover Plumbing Leaks and Burst Pipes?
Sudden and unexpected leaks that occur with little to no warning will usually be covered by your homeowners policy. If something happens to damage your pipes from the inside, you will have no visible signs that something is wrong. If your pipes freeze because the electricity went out during a major winter storm, you have no control over the weather or the power outage, your homeowners insurance should kick in if you have extensive water damage.
When Are Leaks and Burst Pipes Not Covered?
When you notice leaking and don’t make the necessary repairs in a timely fashion, your insurance won’t do you any good if they start to cause water damage. If your pipes freeze in a home you own but don’t live in all the time, your homeowners insurance may not cover the damages. If you rent the home, you may need to look into rental property insurance to make sure you are sufficiently covered. If you have questions or concerns about what is or is not covered by your homeowners insurance, you should contact your insurance agent so you can go over your policy.
Purchasing Additional Coverage for Your Plumbing
If you have an older home or live in an area where plumbing issues are common, you do have the option to purchase additional coverage. Areas that are prone to mold or sewage backups can wreak havoc on your plumbing and cause extensive damage, especially if you have an outdated plumbing system that has difficulty keeping up with water flow in and out. This type of coverage should be at the top of your list if you have an older septic system or live in an area where the sewer lines are outdated.
Preventing Broken Pipes
Freezing temperatures can damage your pipes over the years. Tree roots, gradual wear, and tear, as well as caustic drain cleaners that are used to break up clogs, can also do irreparable damage. You can prevent broken pipes, however, if you keep up with a regular maintenance schedule. Visibly inspect your pipes every month or so and have them professionally inspected once a year. Even if you live in Texas, temps can drop below freezing just enough to damage your pipes. Invest in some heat tape for your pipes and use it when you need it!
Cover Your Leaky Pipes with Homeowners Insurance at Pierce Insurance
Understanding what your homeowners insurance covers is your responsibility. If you have questions about coverage for your plumbing or frozen pipes, contact our qualified insurance agents. At Pierce Insurance Group, we will help you find out more about your coverage. We can also give you information on additional coverage if you feel that you need it.