1. What specific types of plumbing repairs are typically covered by homeowners insurance?
Limited Plumbing System Repair Coverage in Homeowners Insurance
Homeowners insurance covers a variety of mishaps, but plumbing system repair is not always included. Knowing what your policy covers and what it doesn’t is important to ensure sufficient protection in the event of an emergency.
What is Covered?
Homeowners insurance typically offers limited coverage for plumbing system repair. This coverage typically applies to your plumbing pipes and main lines, and may cover certain damages caused by accidental events, such as:
- Frozen pipes from burst water lines
- Sudden water leakage from lines, valves, or fixtures
- Tree root blockages of your main lines
What is Not Covered?
Your homeowners policy likely does not cover normal wear and tear, intentional damage, or any damage caused by a lack of maintenance or failure to repair the plumbing system regularly.
Many policies will also not cover the cost of replacing fixtures, such as toilets, sinks, tubs, or showers. They may also not cover the cost of re-piping, out-of-date systems, or clogged sinks, bathtubs, or showers.
What to Look For
When buying a homeowners insurance policy, make sure to read the details carefully to understand what is and isn’t covered.
Various types of coverage can help you pay for repairs in the event of an emergency. If you already have a policy, taking the time to understand your coverage and make sure it meets your needs can help provide peace of mind.
It is also a good idea to discuss these terms with your insurance provider. Your insurer may offer additional coverage that you can add to your policy.