Dwelling Coverageĭwelling coverage is a main component of a home insurance policy. Speak to your insurance representative to make sure water damage is a covered loss in each of these home insurance policy components. ![]() What Coverage Do You Need for Broken Pipes?Īccidental water damage is often part of dwelling coverage, personal property coverage and/or loss of use coverage. If your home is damaged from a public water main break, contact your municipality as well as your insurance company. If a water main breaks, your city or town is responsible for fixing the break, but you often will be responsible for repair or replacement of the water main supply line connected to your house. However, if a water line breaks on your property due to age, regular wear and tear, poor initial installation, frequent ground temperature changes, shifting soil, or damage from pests or encroaching tree roots, the break and resulting water damage isn’t likely to fall under your regular coverage. For example, if you dig in your yard and accidentally damage the water line running from your meter, repairs and cleanup may be covered. Most homeowners insurance policies will not cover water line breaks unless a line has undergone sudden, significant damage. Does Homeowners Insurance Cover Water Line Breaks? This includes fully draining your home’s plumbing system and shutting off your water. If you’re planning to leave your home for the entire winter, winterize your home. If you’ll be gone for an extended period, consider asking a relative or friend to check on your house and make sure the heat is running as needed. Replace the thermostat’s battery and set your thermostat to a minimum of 55° when you’ll be away from home. Taking smart steps to maintain and protect your pipes can help you prevent a freeze-related disaster. If you turned off your heat when leaving your house for a few days, causing the pipes to freeze when outdoor temperatures dropped, your claim may not be covered. ![]() Typically, your homeowners insurance covers cleaning and required repairs due to water damage that is a result of a frozen pipe that has burst. ![]() However, if you ignore a known leak or other long-standing problem, there may not be coverage for your claim. In addition, cleaning, repair or replacement of wood flooring, drywall and even furniture due to water damage as a result of a burst pipe typically are covered. Navigating Your Business Through COVID-19Īccidental water damage that occurs as a result of a sudden, unexpected occurrence like a burst pipe, is often covered by a homeowners insurance policy.
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