Damage for a pipe leak in the home is often covered by homeowners insurance. For example, insurance may cover your losses due to a burst pipe or leaking appliance. However, if your home is flooded because a nearby river overflowed its banks, you’re on your own unless you have a flood insurance policy.
Dealing with insurance providers can be overwhelming. If you have ever tried reading the fine print in your insurance policy can give you big headache, not to mention trying to get what you are owed. This is where Prosperity Public Adjusters comes to the rescue. We will help you with your insurance claims so that you can get the maximum amount from your insurance provider that you are owed.
Damage claim for a pipe leak is tricky. For example, if your home floods because a high wind event blew off the roof and torrential rains damaged your home, the damage will likely be covered but if the flood is the result of storm surge, you’re probably on your own.
Below is a few damage claim for a pipe leak that is typically covered by insurance:
- Burst pipes
- Bathtub and sink overflows
- Washing machine and other appliance overflows
- Water damage from leaking roof
However, insurance policies are filled with loopholes. For example, if your pipes burst because they froze overnight while you were sleeping, the insurance will cover the water damage. However, if you left the home with the heat turned off while on vacation, then expect the insurance company to deny the claim on the grounds that you didn’t perform the necessary upkeep of your home.
In addition, say your washing machine floods causing broad damage for a pipe leak. The insurance company will likely pay for the water damage to the building and its contents but they won’t necessarily pay to repair the washing machine.
Likewise, a leaking roof can cause pipe leak which is usually covered by homeowners insurance. However, the roof repairs are considered a maintenance issue and therefore the roof itself isn’t covered. The exception to this is if the roof leaked because of damage from a covered event such as hailstones, falling trees, or high winds.
The following damage claim for a pipe leak is generally not covered by standard homeowners insurance:
- Flooding from an overflowing river or lake
- Sewer backups
- Water seepage
If you want to be covered by natural floodings such as overflowing rivers, tidal surges, and flash floods, you will need to purchase a flood insurance policy. While many people believe that these policies are only for homeowners who live in designated floodplains, understand that flooding can happen outside of perceived surge zones.
Sewer backups are not generally secured by standard property holders insurance approaches. In fact, this type of water damage is often specifically excluded from the policy. This doesn’t mean that you can’t insure your home against this type of loss though. Check with your insurance company about purchasing a special endorsement that adds coverage for sewer and drains backups.
Water seepage, which is a common cause of flooded basements, is also excluded from typical insurance policies. Seepage is considered a preventable maintenance issue, not an accidental loss. If you’re concerned about water seeping into your basement, take the necessary steps to maintain your home and prevent this type of damage. For example, you may need to re-grade your lot, install a sump pump, or seal your walls with a waterproofing sealant.
Clearly, damage for a pipe leak related insurance claims is intricate. We can guide you through this difficult process so that you can move on with your life.
For a consultation and quote from Prosperity Public Adjusters contact us today at 561-452-6332