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Does Home Insurance Cover Broken Pipes Under a Slab? Anytime that broken pipes occur in your home, this can cause devastation and serious problems for you and your loved ones. Contacting your homeowners' insurance is probably one of the first things that you will do to determine whether or not you have benefits for this. In some cases, broken pipes may not be covered as part of your existing homeowners' insurance policy, so you need to be prepared to understand these different circumstances and read through the fine print on your homeowners' insurance policy to verify whether or not you do indeed have coverage. This means that you might have questions that will need to be addressed by reviewing your insurance policy. You may ask, "Does home insurance cover broken pipes under a slab?" That can mean that there is a good chance you are already dealing with the problems of broken pipes. If the plumber has identified the initial issue as being broken pipes under a slab, you'll want to make sure that you can determine the initial cause of damage. Calling an expert professional to come and evaluate this situation is strongly recommended to put yourself in a good position to file a claim because homeowners insurance might cover repairs to your slab if the cause of damage is a covered peril, such as an exploded water line. However, most homeowners insurance policies do not cover broken pipe repairs. Homeowners insurance assists with the vast majority of foundation issues including slab leaks and cracks only if the cause of the damage is covered by a homeowners insurance policy itself. If your slab leaks because of something like an explosion or a pipe burst, homeowners insurance will probably cover the process of removing the slab and replacing it, but fixing the broken pipes is not a covered peril in most situations. Homeowners insurance will also unlikely cover the repairs to your plumbing or your slab if the slab is damaged due to something gradual like tree root pressure or a plumbing leak or normal wear and tear. Age is another common reason that homeowners’ insurance will not repair the slab. Free Case Evaluation Tell us about your situation so we can get started fighting for you. We tailor each case to meet our clients' needs. Hear From Our ClientsWe’ve helped over 300,000 families. See More The Fee is FreeTM Only Pay If We Win.Submit a Free Case EvaluationYou can find out if you qualify immediately. Get a Call From UsOur specialists will walk you through your case and collect all the right information to win your case. Let Us Get to WorkOur specialized attorneys will handle every step of your case from start to finish. You don’t pay until we win. Call Us Now See Our Nationwide ResultsWe’ve won over $13 Billion for our clients in cases of all types. Let us work hard for you.Free Case EvaluationTell us about your situation so we can get started fighting for you. We tailor each case to meet our clients' needs. Policygenius does not allow the submission of personal information by users located within the EU or the UK. If you believe this action is in error, or have any questions, please contact us at CONTACT US Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. Water is one of the biggest threats to your house and belongings, so it’s critical to know what home insurance covers if your home suffers water damage. Homeowners insurance can pay for damage from certain water problems, including burst pipes. Water damage (including damage from freezing) is one of the most common and most costly types of homeowners insurance claims. Every year, about one in 50 homeowners files a water damage or freezing claim, accounting for 29% of all homeowners insurance claims, according to the Insurance Information Institute. The average cost of a water damage or freezing claim is $11,098. Most Expensive Home Insurance ClaimsClaims for water damage and freezing are the third most-costly type of home insurance claim. Types of Water Damage Covered by Homeowners InsuranceGenerally, water damage that is considered “sudden and accidental” is covered (like a burst pipe) but not gradual damage, like a leaking bathroom sink. And flooding is not covered, such as damage from storm surge during a hurricane. Water damage covered by homeowners insurance typically includes:
Types of Water Damage Not Covered by Homeowners InsuranceHere are some common problems that are typically not covered by a standard homeowners insurance policy:
Main Causes of Home Insurance ClaimsHow Can I Protect My Home From Water Damage?One of the best ways to protect a home from water damage is by taking some preventative measures. Keeping up with routine maintenance and making prompt repairs is key. Remember, homeowners insurance covers water damage that is “sudden and accidental” but not gradual problems or maintenance issues. If you have a problem like a leaky faucet, it’s best to take care of it as soon as possible. Here are other steps you can take:
Find the Best Homeowners Insurance Companies Of 2022Water Damage Insurance FAQsHow do I file an insurance claim for water damage?If you discover water damage, it’s a good idea to take pictures of the area and contact your homeowners insurance company as soon as possible. If the water damage is covered by your insurance policy, you’ll be responsible for paying a deductible, which is the amount you’ll pay out of pocket. Keep in mind, water damage from certain types of events, like tsunamis, floods, sewer backups and leaks from swimming pools are typically not covered. Read more about what homeowners insurance covers. Does homeowners insurance cover water damage from floods?Homeowners insurance generally excludes water damage from floods. You’ll have to buy a flood insurance policy if you want coverage for flood damage. You can purchase a FEMA flood insurance policy, or buy one from a private flood insurance company. Does homeowners insurance cover removal of mold that was caused by water damage?Homeowners insurance generally covers mold caused by water damage if the water problem was covered by the policy, such as a burst pipe. Homeowners insurance won’t cover mold caused by water damage from other issues, such as lack of maintenance, leaks from swimming pools, floods and earthquakes. Does homeowners insurance cover water damage from hurricanes?Homeowners insurance typically covers water damage from hurricanes, such as rain that gets in through storm roof damage (unless your policy has a “roof exclusion”), but not water damage from rising flood water or storm surges. You’ll need a flood insurance policy to cover flood damage. If you live in a hurricane-prone area, here are some steps you can take to prepare for the hurricane season. |