Plumbing issues can wreak havoc on your home, your budget, and your life. Burst pipes, leaks, or sewage backups can lead to water damage, mold growth, and structural problems. Homeowners experiencing water damage from plumbing issues like these often ask us at Sump Insurance in Clarinda, IA, if their insurance will cover the costs. While it depends on the specifics of your insurance policy and the cause of the damage, here are some general guidelines to consider.

Plumbing Issues & Insurance

Homeowner’s insurance typically covers sudden and accidental water damage caused by plumbing issues. If a pipe bursts or leaks because of factors beyond your control, like freezing temperatures or wear and tear, your insurance policy might cover the resulting damages. You can consult your agent or policy to determine whether there will be coverage in your particular situation.

Certain kinds of plumbing damage are almost never covered by homeowners insurance, like damage that results from negligence or lack of maintenance. Additionally, some policies have specific exclusions for certain plumbing-related issues, like sewer backup. Carefully read your policy and consult with your insurance provider to understand what’s covered and what’s not.

In many cases, you can prevent plumbing-related damage by inspecting your pipes regularly, addressing leaks as soon as you notice them, and maintaining adequate insulation around your plumbing. If you do experience a plumbing emergency, take steps to limit the damage as soon as possible: turn off the water at the source, use towels or a wet vacuum to remove excess water, and set up fans in the affected area as soon as possible. Contact your insurance agent right away. As you work to repair the damage, take pictures and keep all of your receipts.