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Fire & Water - Cleanup & Restoration

3 Common Questions About Insurance Coverage of Broken Pipes

10/7/2020 (Permalink)

Broken rusty pipe A broken plumbing pipe can result in different types of water damage

Common Questions About Insurance Coverage of Broken Pipes

A broken plumbing pipe can result in different types of water damage, from a small puddle to a flood. While your home insurance can cover most types of water incidents, it may not always include your specific situation. As you try to protect your West Yellowstone, MT, home from destruction, you will likely ask the following questions.

1. When Is the Damage Covered?
Generally, insurance coverage includes water damage when it is accidental and unexpected such as a malfunctioning appliance or HVAC unit. This classification can apply to a pipe break or a burst pipe. The insurance agency determines that since there is little preparation to handle this incident, you have little to no liability. Services included in the coverage include water damage restoration and mold prevention, but not the plumbing professionals that can fix broken pipe.

2. What Causes a Denied Claim?
Even if the situation escalates into a powerful flood, your insurance company will not always accept your claim. There is a difference between a pipe break or a burst/busted pipe and a leaking pipe. During the latter, the damage is slower to manifest but the signs are clearer, such as small water bodies, stains and mold or mildew. It is your responsibility as a homeowner to notice these signs and take the right measures that will mitigate or prevent the damage.

3. How Do I Prevent a Denial?
Reduce the possibilities of having your claim denied by having a licensed and experienced plumber inspect your piping often. Not only will this practice detect any problems on time, but it also produces documentation that proves you are a diligent property owner. Maintain your system by replacing old parts when necessary and keeping it warm with insulation and heat to avoid frozen pipes.
Your insurance plan can include all sorts of water-based incidents, from mold growth to a flood, depending on the type of pipe damage. Learning the difference between a broken or a leaky pipe and the different solutions to each limits the damage and increases the potential insurance coverage.

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