Will My Insurance Cover a Water Leak???

7/20/2018 (Permalink)

PIPE LEAK COVERAGE

Its Friday night! you're off for the weekend, its just you and your wife, you ordered a pizza and a movie, what more can you ask for... right?

Unfortunately it was Friday the 13th and accidents do happen, in this case you have a pin hole leak coming from your upstairs bathroom... bummer! Of course with this situation, comes along a huge mess to clean up, headaches, and concern's on whether or not your insurance will cover this leak???

Virtually all home insurance policies today cover plumbing leaks that are sudden and accidental. In other words, you're covered for a pipe that abruptly springs a leak, as opposed to one that trickles out water over months or years.

If the leak is sudden and accidental, such as if a washing machine hose suddenly breaks off, or in this case a pipe bursts,you are more than likely covered. However, homeowners insurance does not cover damage resulting from poor maintenance.

Its always a good idea to call your local insurance agent and go over your policies to make sure you have the right coverage in situations like these.