What Does Homeowners Insurance Cover For Plumbing-Related Issues?

Homeowners insurance covers plumbing damage caused by sudden and unexpected events such as:

• Burst pipes
• Overflowing toilets, bathtubs, and sinks
• Appliance leaks
• Roof leaks
• Damage caused by fire and lightning
• Plumbing damage caused by falling objects
• Frozen pipes, in a heated home

If plumbing damage is caused by someone else—such as a neighbor accidentally damaging underground pipes while undertaking construction work, their insurance may be responsible for covering the cost of repairs.

Which Plumbing Problems Aren't Covered By Homeowners Insurance?

• Wear and Tear

Homeowners insurance exists to provide coverage for sudden and unexpected expenses, not general wear and tear. So your homeowners policy usually won’t pay for a plumber in McKinney to replace deteriorating pips or fix a dripping faucet.

• Sewer backups

Most standard homeowners insurance policies won’t pay for sewer backups and the resulting damage. If you want coverage for sewer backups, ask your insurer to add sewer backup coverage to your policy.

• Plumbing Problems Arising Due To Negligence

Let’s say you leave your home for vacation during the winter and fail to put measures in place to keep your pipes from freezing. If a water pipe freezes and bursts while you’re away, the resulting damage may not be covered. Insurance companies do not cover plumbing issues caused by negligence. Shoddy repairs, such as applying temporary sealant to a leaking pipe, could also result in denied claims.

• Lack of maintenance

Insurance companies expect homeowners to take proactive measures to keep their plumbing in good shape. If plumbing issues arise as a result of lack of maintenance, they won’t be covered. For example, if you fail to flush your water heater as needed and it breaks down, your insurer may not provide coverage for water heater replacement.

It's recommended to carefully review your specific homeowners insurance policy, including its terms and conditions, and consult with your insurance provider to fully understand the coverage it offers and any optional endorsements or additional coverage you may need.

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Perhaps some components of your plumbing system are in disrepair and you need reliable plumbing repairs, or maybe you have a plumbing emergency that cannot wait for normal business hours. When you’re in need of dependable plumbing service, you can trust the plumbers at Mr. Rooter Plumbing to get the job done right. Mr. Rooter Plumbing is the go-to plumbing company for all of your residential and commercial plumbing needs. With more than 50 years of industry experience, we have the expertise to provide top-of-the-line plumbing services. Whether you’re in need of drain cleaning, plumbing repair, sewer line repair, or emergency plumbing services, we’ve got you covered.