Does Homeowners Insurance Cover Plumbing Issues?
Mark J. Biel • January 13, 2021
Flooding, property damage, mold and rot–these are only a few of the problems you’ll face if your home’s plumbing issues aren’t dealt with. But will your homeowners insurance actually cover them? A premier plumbing and air conditioning repair company in the area, R.A. Biel Plumbing & Heating, Inc., shares what you need to know here.
When Homeowners Insurance Covers Them
Homeowners insurance exists to protect your home and property from significant damage or loss. It typically offers coverage in case of fire, severe weather and certain kinds of water damage. If you have faulty plumbing, for example, the resulting damage will likely be covered by homeowners insurance–but only if the break and damage are abrupt and accidental. To detail, the policy may reimburse:
- Replacement pipes, valves and tanks
- Wall repairs resulting from your plumbing and heating repair expert cutting a section of the wall to access the damaged pipes
- Mold remediation, which deals with mold buildup caused by burst pipes
- Personal property that’s been damaged by the plumbing issue
- Structural repair or restoration if the damage occurred in a guesthouse, backyard workshop or other detached building on your property
- Damage to your neighbor’s property caused by your plumbing incident
When Homeowners Insurance Doesn’t Cover Them
Homeowners insurance coverage of plumbing issues is only valid in qualifying circumstances. The policy may refuse to reimburse you if:
- The plumbing displays signs of corrosion, rust or wear and tear
- Your existing plumbing is already outdated
- The pipes are frozen due to poor maintenance
- You have polybutylene pipes, which are considered a hazard
To keep your homeowners insurance intact and ensure better, longer-lasting service from your plumbing system, be sure to turn to R.A. Biel Plumbing & Heating, Inc. We can handle all your plumbing needs, from new installation, repairs and maintenance to drain and sewer repair. With our top-tier services, keeping your home and property damage-free is simple. We proudly serve Farmington, NM, and the nearby areas. Call us today at (505) 278-5112 or fill out this contact form to schedule your consultation.
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