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It's important to have your plumbing inspected by a licensed professional on a regular basis, and maintain records of repairs and the professionals you have hired over the years to do inspections and maintenance. These records could become very important in the event of a claim.

Different portions of your home's plumbing will have various life spans. Replace pipes that are beyond their intended service lives. In northern climates, be sure to leave your home's heat on, even if it is set to low, during the winter, especially if you are leaving for an extended period of time.

Every home, regardless of climate, should have a water shutoff valve. Know where this valve is located, and make sure it is operable in case you need to turn off the water quickly. If you were denied coverage that you think should have applied to the damage caused by a leaky pipe, you might consider getting a second opinion by a licensed professional or consumer advocacy organization that is familiar with insurance in your region.

Your insurance company may also have an ombuds that can help review your file. You can also contact your state insurance commissioner for guidance or to file a complaint. If you're not sure whether your insurance will cover water damage caused by a leaky or busted water pipe, it's important to review the exact wording of your policy with your insurance advisor, agent, or broker.

You will have to review the exclusions of your policy as well as the type of coverage you have. Make sure you understand all the coverages on your policy and have a good grasp of the exclusions, as well as your responsibilities as a homeowner. In addition, perform regular maintenance of your home every spring and fall to avoid surprises.

Regular small repairs can help you avoid large expenses. Also, underinsure your home. Make sure you purchase the best insurance for your needs and remember to inquire about extra coverage if you think you need it. Home Used Bass Boat For Sale Houston Tx Key Insurance. Home Ownership. Your Money. Personal Finance. Your Practice.

Popular Courses. Part Of. Homeowners Insurance Basics. Know Your Terms. What's Covered. Best Home Insurance Companies. Insurance for Natural Disasters. Insurance for Special Situations. Home Warranties. Insurance Home Insurance. Table of Contents Expand. Different Forms Of Damage. How Insurance Views Pipes.

What Is Covered? The Bottom Line. Key Takeaways Homeowners insurance generally covers damage due to broken pipes if their collapse is sudden and unforeseen.

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