Simply put, your homeowner’s insurance can cover sudden plumbing damage. However, if a pipe has already been leaking for some time, the insurance will no longer be able to cover the cost of fixing it. With most insurance policies, any damage resulting from poor maintenance is left off the coverage.
To give you a better understanding of when you can use your homeowner’s insurance for plumbing issues, plumbing service expert A-1 Comfort Care discusses the different issues below.
When the Pipes Burst Suddenly
Your insurance can cover burst pipes if the incident occurs abruptly and it can’t be directly attributed to lack of maintenance.
When Your Plumber Installs or Repairs Your Plumbing Incorrectly
One good example of this is when a plumber makes a faulty connection between an appliance such as a dishwasher and your plumbing. This can cause water damage to your floor and soak things on the floor below. In such situations, you can count on your local plumbing services provider to fix the issue. However, don’t forget to contact your insurance company regarding any floor or other property damage as well.
When Your Neighbor’s Plumbing Causes Damage to Your Home
You can call your insurance company if your neighbor’s pipes burst and water leaks into your home, damaging your property. However, be prepared to initially pay for the cleanup or damage out-of-pocket if your insurer isn’t able to cut you a check in the meantime or if the claims process will take longer than expected. Don’t worry, though, because once the process has been completed and it’s determined that your neighbor is liable, their personal liability coverage may reimburse you or your insurer may cover the damage.
If you’re looking for quality plumbing services, A-1 Comfort Care is one of the best contractors to hire. Our team takes pride in our commitment to providing exceptional workmanship and superb customer service. Call us at (732) 578-0379 or fill out our contact form to request a free quote. We serve customers in Wall and Freehold, New Jersey.