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Fire & Water - Cleanup & Restoration

Residential Water_127_Will My Insurance Company Cover Flood Damage Caused by a Broken Pipe?

6/13/2019 (Permalink)

Flooded home in Fullerton, CA

Will My Insurance Company Cover Flood Damage Caused by a Broken Pipe?

If your home in Fullerton, CA, is hit with an unexpected flood due to a broken pipe, you'll likely feel overwhelmed and anxious about the cleanup procedure. By educating yourself about some of the common ways that homeowners' insurance handles water damage, you'll be better prepared if the worst happens, and you need to pursue coverage.

1. Determine what kind of damage has occurred.

Virtually all homeowners' policies will deny insurance coverage for "gradual damage," which is destruction that takes place over a long period of time. So if your home sustains water damage due to a slowly leaking pipe that you failed to repair, the cleanup cost will be your responsibility. However, a sudden pipe burst that quickly floods your entire home would likely be considered "sudden and accidental" by your insurer, and you would be eligible for coverage.

2. Choose a contractor to assess and repair the damage.

Excess water can severely affect your floors, carpet, and drywall if immediate action isn't taken. As soon as you have arranged for a licensed plumber to fix the broken pipe and have determined that your water damage claim will be accepted, contact a reputable flood damage remediation expert who will quickly evaluate what repairs are needed and formulate an action plan to minimize long-term damage.

3. Take preventative measures to avoid a claim denial.

It's important to have your home's pipe system regularly inspected by a licensed plumbing contractor and to retain detailed records and receipts of all home maintenance and repairs. By providing proof to your homeowners' insurance company that you have put in a good faith effort at home upkeep, you have a better chance of your claim being accepted in the event of catastrophic water damage.

A flood inside your home is one of the most stressful situations you'll encounter as a homeowner. However, by staying calm and knowing the proper procedure to file a claim with your insurance company, you'll be on your way to repairing the damage and restoring your home.

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