Homeowner's Insurance

Are plumbing issues covered by insurance?

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Answered 2010-12-19 22:58:44

not really

Many homeowner's policies cover water damage, including the leak repair. If the leak is underground, though, it's probably not covered.

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Related Questions

Does insurance pay for no plumbing underneath house?

Your homeowners insurance covers your existing structure for damages by the perils listed on your policy. If there is no plumbing to be covered, then it's obviously not. You can't insure what isn't there.

Does homeowners insurance cover plumbing breaks under the slab?

Contact your agent and ask them if you are covered.

Does homeowners insurance cover plumming?

Yes, Homeowners insurance can cover plumbing damage when caused by a covered peril such as lightning, fire, wind, hail freezing etc. Refer to your insurance policy for covered perils. If your plumbing is just old or stopped up then that would be an owners maintenance issue. Homeowners insurance does not provide for maintenance.

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Plumbing repairs are typically not covered due to age, wear, tear and depreciation. They would be covered in some circumstances like fire, vandalism or a water heater was hit by a vehicle.

Does homeowners insurance cover plumbing repair to a sewer?

Damage must be due to a covered cause for the damage to be claimed on your homeowners insurance. I cannot think of any way damage to a sewer could be from a covered cause.

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Does insurance cover plumbing?

Virtually all home insurance policies today cover plumbing leaks that are sudden and accidental. Homeowners policies sometimes specifically exclude long-term plumbing leaks which the home owner must have been aware of, but have done nothing about. Water damage caused by failure in plumbing is usually covered by homeowners insurance if certain conditions are met. To know more information visit at- alliedallcityinc.com

Will full coverage car insurance cover electrical?

Physical Damage coverage on an auto policy covers all parts of the car that are damaged in a covered loss or covered accident. Maintenance issues are not covered on auto insurance.

Will homeowners insurance cover structural damage caused from leaking plumbing?

Always check your policy. Insurance companies are in the business of making money. You would assume that this damage is covered but it depends on the policy. Most companies in Texas do, but it is not a given. Always call your insurance company and ask if damage is covered. Repairs are almost never covered anymore.

Does homeowners cover an unknown leak in crawl space?

No, Plumbing maintenance and repairs are not covered by a Home insurance policy. Your homeowners insurance provides protection from losses that result from the policies covered perils, Typically, Fire, Wind, Hail, falling objects etc.

Is sewer leak a plumbing problem covered by home owners insurance?

It depends on what caused the leak. If the leak was caused by a covered peril under you home insurance policy such as fire, wind, hail etc then it would be covered. If the leak is due to other reasons such as age or deterioration then it is a home owners maintenance issue.

Is a leaking shower covered by homeowner insurance?

Leaky showers and plumbing are usually covered by a plumbers visit. Occassional maintenance is an normal and expected part of homeownership and is not a covered peril under your home hazard insurance. Homeowners insurance is Hazard isurance that provides coverage for losses from named perils such as FIre, Wind, Hail, Lightning, falling objects, vandalism, etc.

Does homeowners insurance cover plumbing repairs?

Water damage caused by failure in plumbing is usually covered by homeowners insurance if certain conditions are met. Homeowners policies sometimes specifically prohibit long-term plumbing leaks which the homeowner must have been knowledge of, but have done nothing about. One of the major types of loss claims is plumbing-related. These can range from minor leaks to major flooding of the house, caused by a plumbing, usually hot water line & break. Fortunately, homeowners insurance covers plumbing line leaks, provided that the owner notifies the insurer in due course. For more information visit at: alliedallcityinc.com

Will homeowner's insurance cover an overflow toilet?

No. Homeowners insurance does not provide coverage for routine expected plumbing maintenance issues. However, If you have "Accidental Water Discharge" coverage on your policy, then you will be covered for resulting damages from the overflow but not for the actual plumbing repairs needed. If you have damages that resulted from the overflow, once you have made the required plumbing repairs the company will invoke the damage coverage. If you do not make the necessary plumbing repair then the insurance company will not fix the other damages that resulted from it. The reasoning is that if the homeowner refuses to maintain the home, then this is a moral hazard (negligence) on the part of the homeowner and the damages that result from lack of maintenance will be ongoing.

Does homeowner insurance cover plumbing?

If the plumbing burst and casues damage, yes. In other words, say your water heater goes and pours water all over the floor. The damage to the floors and items in your basement will be covered. Keep in mind that placing claims brings you closer to having your policy canceled. Do it wisely! Here's another answer: Depends on what you mean by "cover". If you have a plumbing problem like I did, where my main sewer line in my back yard collapsed because it was old and tree roots were crushing it, then no. If you have a collapsing sewer line, and water backs up into your basement, then in Wisconsin you would need to have a special endorsement to cover backup of sewers and drains for even the clean up and repair inside of your house to be paid for. If you are just asking if damage to your house as a result of broken pipes is covered, again I would say "it depends"! I don't think any company out there would pay to repair the plumbing, but they might pay for the resulting damage.

Where can plumbing insurance be obtained?

Plumbing insurance can be obtained from most of the major insurance companies. Admiral and Cornell do good rates but it is worth checking on comparethemarket to see if there is another company that is better.

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Fire / Lightning/Windstorms / Hail/Freezing of Plumbing / Pipes/Damage from Weight of Ice are usually covered in most homeowners insurance policy's. But you should check your policy and it will tell you WHAT IS NOT COVERED and then you could see if you want to add something that might be a problem in your area,like a disaster that might be in your area.

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