When Will the Insurance Company Cover Broken Pipe Issues?

6/10/2020 (Permalink)

A broken pipe can cause a large flood in your house

As a homeowner in Brickell, FL, you realize that maintaining your place is a constant battle. There is a consistent need for maintenance and upkeep. Occasionally, something could go terribly wrong, and you may have a flood in the house. Paying for cleanup and restoration could be costly. In some cases, your homeowner's insurance company would pay for these repairs. Understand the cases in which you have a valid claim and when your provider will pass the expenses on to you.

When the Insurance Will Deny Your Claim

A homeowner's insurance coverage will not take effect when there is flooding due to the person's neglect or lack of routine maintenance. This could be the case in the following examples:

• A leaky pipe that hasn't been replaced in decades
  
• A broken pipe that the homeowner knows about but has failed to replace
  
• When the homeowner damages the pipe on purpose
  
  

Faulty Pipes
Sometimes, you could do your part to properly maintain your plumbing system but still experience a flood. Due to no fault of your own, the pipe could still burst. Your insurance company should cover flooding because of a broken pipe if the pipe was poorly made. If an adjuster determines that the pipe was faulty, you shouldn't have to pay for any repairs.

Sudden, Unexpected Incident
There's a big difference between a gradual slow leak due to your lack of attention and pipe bursting all of a sudden. If you need to fix a broken pipe because someone entered your home and damaged them deliberately, your insurance should pay for the damage. Weather-related damage such as a tree falling onto your house and breaking a pipe should also be a valid claim.
A broken pipe can cause a large flood in your house. Along with calling a professional water removal team, you'll want to file an insurance claim as well. Understand when the insurance agent would and would not cover the damage.