A Homeowner Briefing: Broken Pipes and Insurance
Broken Pipes and Insurance
Having a homeowner's insurance policy is necessary to protect your investment, but it takes some work on your side to know what is included or not. Most people know that rising water types of floods are not covered by traditional policies, but what about water damage from a broken pipe? Would that be covered by your plan?
Insurance Coverage for Unexpected Breaks
Each policy should be read carefully for details, but water damage from a pipe that breaks suddenly and without neglect should be covered by most insurance policies. Damage can be mitigated by immediately responding to the flood with the use of a professional restoration company. Services such as water removal, drying, and restoration may also be included in your insurance coverage.
Denied for Negligence
Homeowners have a lot of responsibility for routine maintenance around the home, including maintenance for plumbing. Make sure you keep up with the maintenance of your pipes so that you don't end up with damage from negligence, which may be denied by your insurer. Here are common examples of denials:
• A homeowner ignored a chronic leak and failed to fix a broken pipe, which resulted in a full break and damage to a home.
• Homeowners were not maintaining a warm enough temperature in the home to keep the pipes from freezing during the winter.
Be Your Own Maintenance Manager
A flood is the last thing you want in your home in University Hills, CO. You don't have to be a plumber in order to take care of your plumbing system. You can keep your home reliable and safe by educating yourself about care and routine maintenance for your pipes. Most importantly, never shut off your heat during the winter months, even if you go on vacation, and inspect your system of pipes regularly. These actions will help prevent breaks and all complications of water damage in your home.