Plumbing Leaks and Water Damage

Most homeowners’ insurance policies will cover water damage if the cause is sudden and accidental. Should your hot water heater burst and water damage your property such as walls, cabinets, flooring, according to the https://www.iii.org/, homeowners insurance may help pay for repairs and/or replacement. Plumbing leaks may be from burst plumbing source lines to appliances such as washers, dishwashers, refrigerator ice machines, etc. Plumbing leaks may also be a result of ruptured plumbing pipes or sources to and from toilets, showers, faucets and pipes under the foundation or slabs. Keep in mind, homeowners insurance does not pay for damage resulting from poor maintenance.

So, if damage results after you fail to repair a leaky toilet, for example, homeowners insurance likely will not pay for repairs. Most homeowners’ insurance policies will not cover the source of the water damage. So, while your policy may cover the cost of tearing out and replacing that damaged floor, you shouldn’t expect your insurance company to cover the cost of replacing your broken dishwasher, washing machine, or fractured pipe.