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Problems with plumbing can lead to some severe water damage if left unchecked. Even a simple clogged toilet can wreak havoc if you ignore it. If you’re struggling with water damage from plumbing troubles, you must know whether your home insurance will cover you.
Does homeowners insurance cover plumbing? What can you do if you experience plumbing issues?
You should know what your insurance can and can’t cover, from leaky pipes to sewage backups. Here’s everything you need to know about your home insurance policy.
Does Homeowners Insurance Cover Plumbing?
Most homeowners insurance policies will cover problems caused by faulty plumbing or sudden accidents. For example, hidden leaks you couldn’t detect can lead to serious water damage; your insurance plan will take care of this.
Your home isn’t the only thing that insurance will cover. There are a few different coverages that your insurance plan may include, such as:
Dwelling coverage, which protects your home as a whole
Other structures coverage, which will protect buildings or structures next to your home, such as a tool shed or separated garage
Personal property coverage, to protect any of your belongings that take on water damage because of faulty plumbing
Loss of use coverage, which will kick in if you need to spend any time outside of your home while the damage is repaired
Your insurance plan will limit the exact amount you can receive in compensation, so be sure to look at your homeowner’s insurance to find more specific information. You will need to file a home insurance claim before you can get compensated. If you have any doubts or concerns, speak with an attorney to determine your options!
