Does Insurance Pay?

Home Insurance: Will My Policy Cover Burst Pipes?

Coming home after a long day at work to find your entire house flooded can be an overwhelming experience. Many people tend to panic, especially when the flooding potentially causes extensive damage to your kitchen cabinets, appliances, carpeting, furniture, and hardwood flooring.

Often, the cause of the flooding is not always apparent. All of the taps are turned off but then you discover a burst water pipe under your kitchen sink.

A burst pipe can cause massive property damage that can be a financial headache. Even a small burst can cause devastation to your home. Plus, it can grant mold a conducive environment to grow. It is estimated that the potential water loss from a burst pipe can be as much as 400 liters per hour. Imagine if you’re away for a day, not to mention a week!

Call Twin Home Experts today at (877) 941-1640 to receive a commitment-free inspection. We proudly service the Los Angeles County area.

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What Is the Purpose of Insurance?

Home insurance comes in handy to protect your home and property from potential hazards such as burst pipes. It helps to pay for repair and replacement after the water damage. Insurance saves you money that you would have otherwise used to cater for repairs. It also prevents loss after a hazard and thus helps you remain financially sound.

Will My Insurance Cover Burst Pipes?

When it comes to burst pipe coverage, you need to examine the terms of your insurance as each policy is different. Most home insurance policies cover unexpected and accidental burst pipes and the resulting water damage to your carpet, drywall, paint, and appliances. Also, insurance may cover other services needed such as cleaning the water and preventing mold.

Many home insurance policies do not cover gradual damage and wear and tear. For example, if the burst pipe emanates from a slow leak that went unfixed, your home insurance will not cover the damage. Similarly, home insurance does not cover wear and tear. For instance, if a pipe burst because it was old and corroded, insurance will not pay for it.

Also, an insurance provider may deny a claim if the cause of the burst pipe was negligence. For instance, you live in a northern climate and fail to heat your home, resulting in a burst pipe from freezing. Your insurance provider may cite negligence (failure to heat your pipes in the cold climate) and deny your claim.

The Causes and Prevention of Burst Pipes

Among the primary causes of burst pipes include:

Frozen pipes
Excessive water pressure
Corrosion
Aged pipework
Pressure from external forces such as passing cars and tree roots
Water hammer
Clogging
Improper connections

Here are a few tips to help prevent your pipes from bursting:

Hire a professional to examine your pipes regularly and identify signs of wear and tear and damage. Do not forget to replace pipes that are beyond their lifespan.
If you live in a cold environment, invest in proper insulation for your pipes to prevent them from freezing.
Every home should have a water shutoff valve. You must know where it is and ensure it is operable in the event you need to turn off your water supply quickly.
Read and understand your insurance policy. You must understand what is covered and what is not.
Conduct regular maintenance for your home. You don’t want any surprises that result in huge expenses.
Don’t skimp on insurance; ensure you choose coverage that meets all your needs.

Twin Home Experts Offer Emergency Service 24/7

Twin Home Experts are qualified and experienced in water damage restoration services, including burst pipes. With Twin Home Experts, you get: 24/7 emergency water damage restoration services, quality workmanship and customer service, and a 100% satisfaction guarantee. With 200k+ completed jobs, no job is too difficult. Contact us to help prevent and repair pipe bursts.