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.