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Burst pipes can create a stressful situation for homeowners, especially if they are unsure if their home insurance will cover it. While many floods are not covered by insurance, you may receive aid from your company if you have been taking proper care of your plumbing. Below is a guide to how insurance works with burst pipes, and how you may still receive compensation.

What Home Insurance Does & Doesn’t Cover When a Pipe Bursts

As a general rule of thumb, home insurance will cover water damage that is caused by a burst pipe—if it happened suddenly and to well-maintained plumbing. If the insurance company determines that the homeowner could have prevented the incident with proper maintenance, they may deny a claim. This includes ignoring damage or failing to properly heat your home to prevent freezing. Also, insurance doesn’t typically pay for normal wear and tear on a home, which means it isn’t likely the provider will cover repairs for the actual broken pipe itself.

How to Prevent Burst Pipes

home insuranceThe best way homeowners can avoid the inconvenience and expenses that come with a burst pipe is to take the right preventive measures. A contractor should examine pipes regularly for signs of damage, and high-quality insulation should be installed to prevent freezing. Pipes should be properly winterized before the cold weather arrives, and water should be turned off at the first sign of a leak.

 

Before attempting to file a home insurance claim for a burst pipe, it’s important to know the likelihood of it being covered. If you experience a calamity such as this, an agent with Cundiff & Company Insurance in Somerset, KY, will be happy to walk you through the steps you should take to minimize your financial responsibility. For more than 40 years, they have helped clients recover from incidents so they can return to their lives without worry. Contact them at (606) 679-8379, or visit their website to learn more. 

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