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Does homeowner's insurance pay for a cracked water pipe?

Updated: 8/16/2019
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16y ago

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It may if is a result of freezing due to power failure or storm. Not due to negligence or poor design.

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16y ago
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Q: Does homeowner's insurance pay for a cracked water pipe?
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Does homeowners insurance cover galvanized pipe?

Sure, as long as the damage was from a covered cause. The key to homeowners insurance is that the damage is due to a covered cause. If you a re searching to see if your insurance will pay for replacing the pipe because of lack of maintenance, no it will not. Maintenance is not covered on a homeowners policy.


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You would gave to find out from the actual insurance adjustor. There is no way anyone else can know that.


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Homeowners insurance and basement flooding?

If you are filing a homeowners insurance claim because your basement was flooded then be sure to be specific when making the claim because most homeowners do not have flood insurance. If your basement flooded as a result of a broken or leaky pipe or from some other cause from inside the home then you should be fine but if your basement was flooded as a result of an outside source then you may not.


Will homeowners insurance cover a collapsed pipe?

You'll have to contact your insurance agent and ask them, There are many different levels of Homeowners Insurance and it really depends on the breadth of coverage you purchased. As a general rule though. If the pipe collapsed due to a covered peril then it would be covered. If it collapsed due to age or normal wear and tear then it will likely not be covered due to it's being a maintenance issue.


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Will the homeowners insurance company pay for damage caused by a a busted pipe in a home?

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If you live in a townhouse who is responsible for insuring against flood damage?

For townhouses, you should make sure your homeowners association carries appropriate federal flood insurance which protects you and you neighbors from rising water from a stream, river, ocean or canal. If a flood in your house is caused by sewer backup or a broken pipes, you need to make sure your personal homeowners insurance covers those problems. Also, ask your homeowners insurance company how to insure common walls of a townhouse in case your neighbor has a broken pipe or some other internal problem.