Does Homeowners Insurance Cover Pipe Replacement

Homeowners Insurance Coverage for Plumbing and Burst Pipes

Homeowners' insurance policies protect home structures and personal properties from damages resulting from storms, fires, theft, etc. However, when it comes to damages from burst pipes and other plumbing, a lot of individuals are left wondering over if and how their insurance policies cover such scenarios.
Cold weather has caused a burst pipe in your and water has damaged your flooring; does homeowners insurance cover pipe replacement? This depends on your policy. But your homeowners' insurance may cover unforeseen, sudden, and accidental aquatic mishaps, resulting from a burst pipe or plumbing fixture failure.
But does homeowners insurance cover pipes that burst? This happens in three ways: dwelling coverage, personal property coverage, or loss of use coverage (also referred to as additional living expenses; it covers reimbursement for food, hotel, and other expenses if you're required to temporarily vacate your home after it faces a covered loss).

How Does Homeowners Insurance View Frozen Pipes?

Most insurers and policy vendors consider a home’s plumbing maintenance as the responsibility of the homeowner. The property owner is responsible for ensuring that pipes don't freeze, screwed tight, are kept unclogged, and are generally maintained. Homeowners should also be on the lookout for mildew, mold, or other signs of aquatic damage that suggest a hairline fracture, small crack, or leak somewhere.
If you’re residing in a northern climate and your broken pipes are a result of freezing because of inadequate heat, your insurer may cite negligence and deny your claim. If your pipe burst because you didn’t maintain adequate heat in the property while you were away for an extended period, your homeowners' insurance won't pay for the damage. Broken pipes whether through freezing or any other means must happen accidentally and suddenly and isn’t easily preventable.
does homeowners insurance cover pipe replacement

Are Leaking Pipes Covered By Homeowners Insurance?

So, what happens when pipe leaks occur other than from freezing? Most of these leak types are a result of regular wear and tear. Furthermore, if you ignore a leaky pipe, and it consequently bursts, your insurance company can see evidence of negligence and a long-term leak, hence denying the claim.
Damages that gradually develop due to a slowly leaking, deteriorating, or rusting pipe is generally not covered. The repair cost or replacement cost of the damaged pipe won’t be covered; however, leaky pipes are different from burst pipes or broken pipes. These gushers can potentially result in flooding of the entire house.
Damages and destructions they bring, including wet drywall, warped flooring, or damaged personal property are usually covered under your homeowners' insurance's all-perils section, provided the leak was sudden and accidental.
The cost to fix the pipe, which just wore out, won’t be covered, but the damage resulting from the leak, such as warped flooring, wet drywall, or damaged personal property, is generally covered if the leak was sudden and accidental.

does homeowners insurance cover pipes that burst

How to Avoid Having a Pipe Replacement Claim Denied

Always ensure that your plumbing is regularly inspected by a licensed professional and maintain records of inspections, repairs, replacements, and the professional you've hired down the years to perform inspections and maintenance. These records could be vital when filing a claim.
Different sections of your home’s plumbing have various life spans. Replace pipes that are beyond their stipulated service lives. In northern climates, ensure that the home’s heater is left on; you can set it to low even when you are going away for an extended period.
Regardless of climate, all homes should have a water shut-off valve. Homeowners should make sure that there know where such a valve is located, and ensure it's operable in case there is a need to swiftly turn off the water. This will significantly decrease your susceptibility to negligence in the event of a claim filing.