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Fire & Water - Cleanup & Restoration

Is Your Plumbing Covered By Insurance?

8/21/2019 (Permalink)

Leaking kitchen faucet in Harrisonville, MO

Plumbing is a hugely important part of your home in Harrisonville, MO. It can also cause a lot of damage if not properly taken care of. Before that happens, understand and adjust your flood insurance policy accordingly.

Leaky vs. Broken

There is a difference between the need to fix broken pipe and a leaky pipe. A leaky pipe or a crack in your foundation can cause gradual damage, or a slow accumulation of water. Usually insurance policies exclude this kind of damage, and it is written off as wear and tear. A broken pipe, however, can cause sudden flooding and is most likely covered under flood insurance or an all-perils policy. To be sure, you should carefully review the wording of your insurance policy and call a representative for further clarification. You can also add these coverages to your plan if you wish to be prepared for all possibilities.

Types of Damage

Sometimes the type of damage or water damage remediation services that are covered differ in each policy. This is dependent upon the wording. The following are common verbiages in insurance policies:

  • Initial damage refers to the damage to the pipe or water system itself
  • Resulting damage refers to water damage that is the result of a broken pipe or flood
  • Subsequent damage refers to mold prevention and the replacement of carpet, drywall etc

Negligence

Insurance coverage can deny your claim if the leaky or broken pipe is a result of your negligence. This means that they will only cover accidents that weren't easily preventable. For example, not keeping your home heated during a freeze can cause pipes to burst. If you ignore a leak that becomes a broken pipe some time later, this can also be considered negligence. It is important to stay on top of routine maintenance and inspections to prevent such occurrences.
The world of insurance can be difficult to interpret. If you don't know exactly what to expect out of your policy, it can also become frustrating. Take the time to get to know your flood insurance policy and understand what you're covered for.

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