Plumbing problems can strike unexpectedly, leaving homeowners with costly repairs and water damage. At Luna Insurance Agency, we know how important it is to understand what your homeowners insurance policy may cover when it comes to plumbing issues.

What Types of Plumbing Damage Are Typically Covered?

Most standard homeowners insurance policies may include sudden and accidental water damage caused by plumbing failures. For example, if a pipe bursts unexpectedly and damages your walls or floors, your policy may help pay for repairs to the affected areas. Depending on the policy, covered perils may include:

• Burst pipes due to freezing (if you took reasonable precautions)
• Sudden leaks causing water damage to your home’s structure or belongings

It’s important to note that insurance usually only covers the resulting damage, not the cost to repair the broken pipe or appliance itself.

What Plumbing Issues Are Usually Not Covered?

Homeowners insurance is designed to assist against unexpected events, not routine maintenance or gradual wear and tear. Common exclusions include:

• Damage from slow leaks or ongoing plumbing issues that were not addressed
• Problems caused by neglect or old pipes
• Sewer or drain backups (unless you have specific coverage added)
• Flood damage from rising waters (requires separate flood insurance)

Understanding Policy Exclusions and Limitations

Every policy is different, and coverage can vary based on your insurer and the specifics of your plan. In different states, some policies may have unique exclusions or requirements, especially in areas prone to certain risks. Reviewing your policy exclusions and endorsements is key to knowing where you stand.

How Our Team Can Help

At Luna Insurance Agency, we help homeowners review their insurance policies and understand what’s covered when it comes to plumbing damage and water-related losses. Our team can explain your options, recommend additional coverage and answer your questions about policy exclusions and claims.

If you’re unsure about your current coverage or want to explore your options, contact us today to review your homeowners insurance or discuss your coverage needs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.