In most cases, yes. All policies have different provisions, so this scope is not a narrow one.
You should contact your agent for coverage advice.
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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