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Does Homeowners Insurance Cover Plumbing?

Does Homeowners Insurance Cover Plumbing?

There are a few resources that homeowners typically look to when they're having a problem with one of their home components or systems, and homeowners insurance is one of the top entries on any such list. A common question that many plumbers receive from their clients: Does homeowners insurance cover plumbing?

At Neighborly Plumbing & Services, we're happy to offer a huge range of plumbing repair and related services to clients around Salt Lake City, Millcreek, Park City and nearby areas, from drain cleaning services and sewer line repairs to water heater services and more. We also assist clients with answers to important questions like these, helping them manage any plumbing or related needs without exorbitant costs. Here are some basics on whether homeowners insurance covers your plumbing needs, plus how to think about this important topic.

Does Homeowners Insurance Cover Plumbing?

The simple answer to this question: It depends. Here are the chief factors that will typically determine whether a plumbing issue in your home is covered by your homeowners insurance policy:

  • Kind of issue: As you may have expected, the first and largest variable here is the sort of issue taking place in your system. In most cases, sudden and accidental plumbing issues like pipe ruptures will be covered under homeowners insurance, while issues that occur due to normal wear and tear or neglect will not be covered.
  • Policy specifics: Within the general category of "homeowners insurance," there are several sub-categories that may have different impacts on your plumbing coverage. Some policies will cover nearly every plumbing issue you could think of, while others will only cover a select few specific scenarios - it's vital to review your policy in detail.
  • Maintenance standard: In addition, homeowners insurance companies will often check whether a reported plumbing issue could have been prevented with proper maintenance. If they determine that the issue was due to a lack of regular upkeep or timely repairs, they may deny coverage for it.
  • Additional coverage: There are some scenarios where you can purchase additional coverage to protect your plumbing system from specific disasters or emergencies. This may come in handy if you live in an area prone to certain natural disasters, for example.

Examples of Commonly Covered Incidents

While this list won't necessarily be accurate for every single policy, and our notes above about differing policy specifics should be considered closely when looking at yours, here are some of the kinds of plumbing issues that are typically covered by most homeowners insurance policies:

  • Leaking plumbing appliances: From a failed dishwasher that floods your kitchen to a washing machine leak that damages your floors and walls, most homeowners insurance policies will cover issues like this.
  • Burst pipes: As we noted earlier, most sudden pipe bursts are covered under homeowners insurance. This is especially important in colder climates like ours where frozen pipes can be a common issue.
  • Overflowing components: Whether it's a bathtub backing up or a water heater overflowing due to overheating, homeowners insurance will typically cover any resulting damage.
  • Other pipe damage: In addition to burst pipes, most homeowners insurance policies will also cover damage to pipes caused by things like falling trees or vehicles. Again, looking at the specifics of your individual policy is key.

Examples of Incidents That Typically Aren't Covered

On the other hand, here are some of the kinds of issues that homeowners insurance typically will not cover (though again, there can be exceptions here depending on your policy):

  • General wear and tear: As we noted, if a plumbing issue occurs due to normal wear and tear that's been allowed to develop without intervention, it likely won't be covered.
  • Flooding: Though some policies may cover certain types of water damage, most will not cover flooding-related issues. For these, you'll need separate flood insurance.
  • Slow leaks: In general, slow leaks are considered a maintenance issue rather than an insurance claim. If you have regular inspections and discover a slow leak, it's often not covered.
  • Sewer backups: If your main sewer line backs up and causes significant damage, most homeowners insurance policies will not cover the costs. You may be able to purchase additional coverage for this.

As you can see, there are many variables at play when it comes to whether a certain plumbing issue will be covered by your homeowners insurance. If you're unsure about your policy, we recommend reviewing it closely and reaching out to your insurance provider for clarification.

And if you do have a plumbing emergency that needs immediate attention, don't hesitate to contact us at Neighborly Plumbing & Services - we'll assist with any plumbing needs around SLC, Millcreek, Park City or any nearby area.

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To serve our Wasatch neighbors in their plumbing, drain, and renovation needs. We are committed to giving you a reliable, fair, and ethical service with our local, experienced team. We strive to ensure that once our services are done, you will never need to call another plumber again.
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