Does Home Insurance Cover Plumbing?
37376 POINTSview profileDavid G. Pipes, CLU®, RICP®Business Development Officer, T.D. McNeil Insurance Services, Fresno, CaliforniaIf the damage is the result of neglect there isn’t any coverage. If the damage is caused by a backup of water through the sewer system, damage is excluded unless that coverage is purchased as an option. If the cause is freezing the policy will cover not damages if the property is unoccupied. Claims involving continuous and repeated seepage or leakage are also excluded by the policy. Damage caused by freezing is also excluded.Answered on April 28, 2014flag this answer
14231 POINTSview profileTom SheehanAgency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482Water damage that is caused by a sudden failure of the system such as occurs if pipes freeze or if the material or a joint fails, will generally be covered. Things that can be considered a failure to perform routine maintenance, however, may not be so be sure to check with your Insurance Professional.Answered on April 28, 2014flag this answer
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