Are Leaking Pipes Covered By Homeowners Insurance

Your homeowners insurance policy should cover any sudden and unexpected water damage due to a plumbing malfunction or broken pipe. However, most home insurance policies exclude damage to your home that occurred gradually, such as a slow, constant leak, as well as damage due to regional flooding.Homeowners insurance won't cover water damage from floods, sewage backup, or gradual leaks, but will cover damage from a burst pipe.An all-perils homeowners insurance policy does not usually provide coverage for an actual broken pipe. However, the water damage that the broken pipe causes would be covered under most circumstances.The Cause of the Broken Pipe. The cause of the broken pipe plays a major role in determining whether or not the repairs will be covered. As mentioned earlier, wear and tear isn't typically covered by homeowners insurance. So, if a pipe breaks because of a lack of maintenance, then your insurance won't cover it.And, sometimes, a plunger or even drain snake just isn't enough to move the clog. The job requires something a little more powerful. For these tough clogs, plumbers use hydro jetting to clear the pipes. Hydro jetting is known as one of the most safe, thorough, and effective ways to clean out stubborn pipe blockages.