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Plumbing and homeowners insurance coverage

Does Homeowners Insurance Cover Plumbing?

Plumbing and homeowners insurance coverage
Plumbing issues can result in expensive damages to your home.

Plumbing issues create a series of problem. It can begin with just a small leak, which may damage the structure of your home slowly. However, there are instances when the problem is sudden and accidental that it results in flooding in the home. If this happens, will your homeowners insurance be able to cover the damage caused by the plumbing leak and to what extent? In this article, we will discuss the details surrounding insurance coverage for plumbing.

When Plumbing Damage Is Covered and When It Is Not?

In order to make the long story short, the damage caused by plumbing failure is usually covered by your home insurance if the damage is sudden and accidental. However, if the damage is caused by broken pipes or leaks that have been neglected, the damage may not be covered by your insurance.

Depending on your insurance policy, we list some of the common coverage that protects you against damages.

Dwelling Coverage

This type of coverage ensures protection for the structure of your home. It provides repair and replacement cost for damages related to plumbing problems. Apart from the walls and the floor, this type of coverage also protects the built-in appliances or furniture in your home like your air conditioning unit or built-in closets.

Personal Property Coverage

The personal property coverage provides protection for movable items. For this type of policy, it is important to keep an inventory of all your items to ensure ease in reimbursement of repair and replacement costs. This type of coverage works best for homes that keep several expensive or luxury items.

Living Expenses Coverage

There are various types of insurance coverage that help you from spending more during emergencies. If you plan on getting Additional Living Expenses Coverage, you will be able to save yourself some worries when an emergency occurs and you have to vacate the house. With this type of coverage, your insurance company will pay for your temporary living expense while your home is being fixed. This may include your accommodation and moving costs for your temporary living space.

Water Damage

Damage to a home’s plumbing can lead to flooding, which can result in severe water damage for the property. When faced with water damage, you should have sizable insurance coverage that allows for supreme protection. This is because the damage caused by flooding can be unforgiving as the damage goes from structure to personal belongings to living spaces. Any additional water damage insurance coverage can help reduce the out-of-pocket expenses of the homeowner. It is best to get a comprehensive water damage insurance to keep your home protected in case your pipes suddenly break.

Mold Remediation

Once your pipes are busted, your home also becomes prone to mold buildup. Stagnant water is the main cause of molds, which is why it is important to have home insurance for mold remediation. Removing molds in your home can be tricky and dangerous for homeowners. It is best to leave mold remediation in the hands of mold remediation experts, but this can be costly. If you are protected with mold remediation insurance, you are able to save up on the cost. Mold remediation isn’t usually a part of one’s home insurance. However, you can get an umbrella policy to have your home covered.

How to Prevent and Detect Leaking Pipes?

In order to prevent plumbing damage, you should perform regular maintenance and checkups on your plumbing system. Your homeowner’s insurance will only cover for damages that are sudden and accidental. If the plumbing system broke due to prolonged damage, your insurance company would most likely reject your application.

You may think that it is pretty difficult to detect a leaky plumbing system, but all you need is your senses to check if the plumbing system is broken. First, you can use your sense of sight. If you notice that your walls have some discoloration, it is must be probably due to leaking water behind your walls. If the wall has been exposed to water for a long period of time, the color may suddenly change. This is especially true if your wall is made of wooden materials.

Second, the smell may be a bit off if stagnant water has been lingering around your property. In this case, you may want to check where the smell is coming from to determine where the plumbing leak is located. Third, you may also use your sense of touch by checking to see if there are any damp spaces in your home. 

Now, if you know that there is an existing faulty plumbing system in your home, you must have it fixed to prevent further damage. In order to prevent damage, you should always check along with spaces that are more prone to damage like your kitchen, laundry room, or your bathroom.

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