The short answer is: Perhaps.
It all depends on whether your homeowner’s insurance covers your plumbing repairs.
- Specific policy details
- The plumbing problem could have been caused by neglect or lack thereof.
Every policy is unique. While some policies may pay for a professional plumber to fix the problem, others may only cover water damage. Most home insurance policies will not cover repairs for problems that result from neglect or lack thereof. You will need to prove that the problem was accidental and sudden.
We will discuss 2 common plumbing issues and whether they are typically covered by homeowners insurance.
Note – To find out if your plumbing repairs are covered by your insurance, contact a representative at your company.
Is homeowners insurance covered for repiping?
No. Many homeowners insurance policies consider whole-home repiping to be a preventative measure. You’ll need to pay out-of-pocket.
However, most insurance policies will cover damage to corroded pipes. However, you might need to prove that the damage was caused by a leak.”Sudden and accidental”. If a burst pipe causes water damage or is the first sign that pipes are failing, most insurance policies will cover that cost.
One word of wisdom: Most homeowner insurance companies will cover the repair and replacement costs for water damage or a leak in your home. Do it twice It is possible. However, if this happens again, your insurance company could drop you.
It all depends on how your policy is written. However, most homeowner’s insurance will not cover the entire cost of replumbing a home, only the cost of repairing a damaged pipe.
Is homeowners insurance able to cover plumbing repairs under a slab?
There are good chances that your homeowner’s insurance will cover the cost of repair and damage caused by a slab leak.
- Leakage of slabs can cause water damage
- The slab leak can cause structural damage to your home
- The cost to tear out and replace the slab (but not for the pipe)
- Personal belongings (clothes and furniture, etc.) damaged If the slab leak was caused by a “covered peril”, such as a fire,
Homeowners insurance is not required. It doesn’t pay for the cost of repairing or replacing the pipe. You should, especially if the pipe burst due to:
- Normal wear and tear
- Interference with tree roots
This post was written by Joey Denick. Joey is the Owner and Operator of Clog Kings. At Clog Kings, LLC, we pride ourselves on our dedication and efficiency. We know you don’t have time to waste. That’s why we work fast to get your home or commercial building back up and running in no time. If you are looking for plumbers in St.Petersburg FL then look no further because we got you covered!