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.
Depends on the individual policy, some do, some don't.
Typically no. They do not cover the appliance or system from which the water came. If a vehicle hit it or it was vandalized it would be covered.
Your homeowners insurance should cover damage to your sprinkler system if the cause of the damage is covered by your homeowners insurance policy such as fire, lightning, freezing of pipes, etc. Homeowners insurance is not a maintenance policy and will not cover mechanical failure of your system.
Yes it normally does.
Mortgage InsuranceNo, Mortgage Insurance is NOT Homeowners Insurance. Mortgage Insurance does not cover your home at all.Mortgage Insurance covers your finance note, not your home.
Each insurance company is different, some i know will cover any pipe underground if its located within the footprint of your home, if its outside the home they may cover if its a specific peril such as rupture, if its just old and breaks then no this you will have to pay for. More information is needed to asses your situation
No, I'm afraid not. Homeowners insurance is for sudden unexpected losses that result from covered perils such as Fire, Wind, Hail, etc. Homeowners insurance never provides coverage for routine expected maintenance issues nor for upgrades.
No one is "Responsible" for an act of nature. However, So Long as you have "Windstorm Coverage' your Homeowners Insurance Policy should cover the damage to your plumbing and may provide coverage for the trees removal. Contact Your Insurance Agent to determine if you have the applicable coverage.
Heck Yeah UNLESS your policy does not cover it
Galvanized pipes are no longer used for home plumbing purposes. If you home still have galvanized pipes in you home then it indicates that your plumbing has likely never been updated.
Normally your insurance (at least in the UK) will only cover the resulting damage of the burst pipe. Generally speaking burst pipes are considered maintenance problems and so the repair to the pipe itself is not covered (although some policies will cover it in some situations). The damage that results from the burst pipe is an "escape of water" and that is a standard peril on most property insurance policies. This means that the damage to the walls or floors which is caused by the water will be covered. The conclusion is that normally the pipe itself is not covered but any resulting damage is, but check your policy to be sure. There is some advice on how to avoid burst pipes, which you might want to take a look at see related link..
Water and coffee spilt on laptop computer is that covered
Sorry but this is not a covered cause. It is more like maintenance. I remember a big issue with contractors using galvanized pipes going through concrete slab foundations. The chemicals in cement tends to dissolve galvanized pipe and if I remember correctly the contractors had to make payment on the damages. Homeowners insurance covers sudden and accidental damages that happened due to a covered cause such as fire, windstorm, vandalism, etc.
Not is you are simply replacing what was there.