Does Home Insurance Cover Broken Water Pipes?
7647 POINTSview profileMark Bartlett CLCSBranch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance CarriersHomeowners insurance does not cover broken water pipes if the breakage was just normal wear and tear and not caused by a covered peril like a car running into the house for example. Believe it or not this just happened to a client of mine last week. However if a pipe breaks and the water the pours out damages the dwelling then the dwelling damage would be covered.Answered on June 28, 2013flag this answer
14231 POINTSview profileTom SheehanAgency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482Damages to your home that are caused by a covered peril listed in your policy document will be covered subject to your policy deductible. Now, if the pipe just bursts from wear and tear, then the repair or replacement of the pipe itself would not be covered, but the damage caused by the sudden discharge of water would be. If on the other hand, the pipe preaks due to freezing or sudden impact to use just two examples, then not only wou,d the water damage be covered, but so to would the cost to replace or repair that length of pipe.Answered on April 16, 2015flag this answer
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