Does Homeowners Insurance Cover Major Plumbing Problems?

Plumbing problems can be costly and inconvenient, but does your homeowners insurance policy cover it? The answer is not always clear-cut. The type of coverage you have and the cause of the plumbing issue will both play a role in determining whether you’re covered or not. In this article, we’ll discuss the different types of homeowners insurance policies and what they offer when it comes to plumbing repairs. We’ll also provide tips on how to ensure that you’re adequately covered for any major plumbing issues that may arise in the future.

Does Homeowners Insurance Cover Major Plumbing Problems?

Homeowners insurance typically does not cover major plumbing problems, such as burst pipes or sewage backups. However, some policies may offer limited coverage for these types of issues. If your policy does provide coverage for major plumbing problems, it is likely to have a very low limit, usually around $500.

What is not covered by homeowners insurance?

There are a few things that homeowners insurance does not cover, such as major plumbing problems. This includes any type of flooding, whether it’s from a burst pipe or natural causes. You will also need to purchase separate insurance for things like earthquakes and sinkholes. Homeowners insurance also doesn’t cover any type of damage that was caused by intentional acts, such as vandalism or arson. If you have any questions about what your policy covers, be sure to contact your insurance agent or company.

How to know if you have a claim

If you have a plumbing problem in your home, the first thing you should do is determine whether or not you have a claim. There are a few things to keep in mind when doing this:

-First, check your policy to see if there is coverage for plumbing problems. If you don’t see anything specifically mentioning plumbing, give your insurer a call and ask if it’s covered.

-Next, consider the cause of the problem. If the problem was caused by normal wear and tear, it’s unlikely that your insurer will cover it. But if the problem was caused by something out of your control, like a storm or faulty equipment, you may have a case.

-Finally, think about the severity of the problem. A small leak might not be worth filing a claim over, but a major pipe burst could end up being very costly.

If you’re still not sure whether or not you have a claim, the best thing to do is contact your insurer and ask. They’ll be able to let you know for sure whether or not your particular situation is covered.

How to file a claim

If you have a major plumbing problem in your home, you may be wondering if your homeowners insurance will cover the repairs. The answer depends on the cause of the problem and the extent of the damage.

Most homeowners insurance policies will cover sudden and unexpected damage from events like burst pipes or leaks. However, they typically won’t cover wear and tear or gradual damage that occurs over time. So, if your plumbing problem is due to normal wear and tear, it’s unlikely that your insurance will cover the repairs.

If your policy does cover the damage, you’ll need to file a claim with your insurer. To do this, gather any receipts or estimates for repairs, take photos of the damage, and contact your agent or insurer as soon as possible. They’ll walk you through the claims process and let you know what coverage you have under your policy.

When to call a professional

If your home has major plumbing problems, it’s important to call a professional as soon as possible. Plumbing problems can cause extensive damage to your home if they’re not fixed quickly and properly. Many homeowners insurance policies will cover the cost of repairs if the damage is caused by a covered event, such as a burst pipe. If you’re not sure whether your policy covers plumbing repairs, call your insurance agent or company to ask about coverage.


Homeowners insurance can provide important financial protection for plumbing repairs, but it’s essential to know what is and isn’t covered. Generally speaking, most major plumbing problems are covered under your policy. However, there may be certain exclusions or limits on coverage that you should be aware of before filing a claim. To make sure you have the best coverage possible and to receive maximum financial protection for any unexpected plumbing repair costs, speak with your insurance provider about the details of your policy today.