Are Broken Pipes Covered by Insurance?

Whether a broken pipe is covered by insurance will depend on the following factors:

• What caused the pipe break
• What kind of damage resulted from the break
• The type of insurance a homeowner has
• The legally binding terms and conditions of your policy

As a result, your insurance policy is really the best place to look for the answer to this question! If you cannot locate this information, you can contact your insurance agent to get more details related to your specific policy and get started with filing a claim if the break is covered. These days most insurance companies allow home and business policy holders to file claims over the phone, online, or through the insurance company’s mobile app.

Generally speaking, however, a sudden accidental event like a pipe burst due to freezing is more likely to be covered while a preventable cause like poor maintenance or misuse is typically not covered. However, some policies may have certain exclusions related to natural disasters or weather-related circumstances. 

Review your policy and take the steps needed to file a claim immediately when you have a broken pipe in your home or business. Provide all necessary details related to the break – date, time, location, cause of the break, and resulting damage. Include pictures, if possible, as evidence of the break and resulting damage. The sooner you can get started, the better!

Your insurance company may require multiple estimates from local plumbing companies as part of the claim. If so, reach out to several licensed plumbers to get estimates for fixing the damage but do not begin the repair work until instructed by your insurance company because they may want to send an insurance adjuster out to survey the damage before being willing to cover it. Remember, you will likely have a deductible that you need to cover as part of the claims and repair process.

Give us a call today at 1 (800) 674-9130 to get help when you have a broken pipe! As local plumbers we can fix a broken pipe regardless of the cause or your insurance coverage. We also warranty our work to protect against defects in materials and workmanship so you can be confident in the work being done in your home or business. Find out more today!

Additional resources:
Get a Broken Pipe Fixed
What to do When a Pipe Bursts
Is a Pipe Break an Emergency?
Next Steps after a Pipe Breaks
Who Pays if a Pipe Breaks Outside?
Will Frozen Pipes Break?
How to Fix a Frozen Pipe that Bursts
Fixing Broken Pipes Explained
Who Can Fix a Broken Pipe?
Local Broken Pipe Repair Companies
Broken Pipe Repair Costs Explained
Pipe Repair Inside a Wall
Pipe Repair Behind Concrete
Costs for Pipe Repair Under the Home