How water damage coverage works is your walls, floors, ceiling and personal property will be covered by leaking pipes. This means if a pipe bursts your everything else except the pipes will be covered. Now there are a couple of exceptions to this, one if your home is vacant for 90 days or more; or if you don't heat your home properly and the pipes freeze.
I said typically because you can always buy back the coverage, meaning you can spend a little extra money to make pipes a covered item in your policy. However, this is usually not a great concern for people because there is coverage to replace everything else, and tear apart and the area where the leak occurred. You are just left with the bill for the pipes and replacing them.
Chief Executive Officer, Coastal Homeowners Insurance Solutions, Rocky Point, NY 11778
A slow leaking pipe may or may not be covered by your homeowners insurance. You need a "sudden, unforeseen occurrence to trigger coverage. Having said that, most Homeowners Insurance companies will cover a pipe burst as long as it wasn't from a pure maintenance issue. The damage to the surrounding building and personal property should be covered but the pipe itself will not be covered. Fortunately most of the damage usually comes from the water damage and not from the pipe itself. Always check your policy and speak with your local independent agent to verify your specific coverage forms & endorsements. Hope this answer helps.
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How water damage coverage works is your walls, floors, ceiling and personal property will be covered by leaking pipes. This means if a pipe bursts your everything else except the pipes will be covered. Now there are a couple of exceptions to this, one if your home is vacant for 90 days or more; or if you don't heat your home properly and the pipes freeze.
I said typically because you can always buy back the coverage, meaning you can spend a little extra money to make pipes a covered item in your policy. However, this is usually not a great concern for people because there is coverage to replace everything else, and tear apart and the area where the leak occurred. You are just left with the bill for the pipes and replacing them.
Hope this helps.