Does Homeowners Insurance Cover Busted Pipes?

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   Mark Bartlett CLCS

   Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers

   If the cause of the breakage was wear and tear then homeowners insurance does not cover replacement of the pipes. However, homeowners insurance will cover damage to the dwelling if the breakage caused water to leak into the home thereby damaging the dwelling. If the breakage was caused by freezing you may have coverage.

   Answered on July 8, 2013

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