Will homeowners insurance cover plumbing?

NOTE: Coverage varies by policy, so it is very important to review your specific policy.

Homeowners insurance could help cover the costs of remediation caused by water damage that's due to sudden plumbing failures; however, it may not help with covering the cost to repair the pipes and fixtures itself. Coverage typically applies when the damage is unexpected and accidental. Issues that develop slowly over time or result from aging materials are usually considered maintenance problems and are not covered.

Plumbing issues are usually covered when:

• Pipes burst unexpectedly
• A sudden leak causes water damage
• Accidental overflows occur
• Water damage results from putting out a fire

Plumbing issues are not usually covered when: 

• Leaks occur slowly over time
• Pipes are old, corroded, or failing
• Mold develops from long term moisture
• Water backs up unless additional coverage is purchased

Here are some helpful tips to potentially avoid plumbing issues:

• Insulate pipes during cold weather
• Replace aging plumbing components
• Install leak detection devices
• Inspect under sinks and appliances regularly

Reviewing your policy details is essential before assuming coverage. If you have a Bamboo policy, feel free to reach out to us at (833) 922-6266 to ask about plumbing coverage on your policy.