Does Homeowners Insurance Usually Cover Water Damage from Plumbing Leaks?
Does Homeowners Insurance Usually Cover Water Damage from Plumbing Leaks?
The overall answer is, it depends.
Your homeowner’s insurance should cover water damage from a plumbing malfunction, leak or broken pipe if the damage is considered sudden, accidental or unexpected. If the leak is due to worn or poorly-maintained plumbing, pipes or construction insurance will deny a claim. Water damage from neglect, as in from a leak going undetected for a long time, will not be covered.