Homeowners insurance works to protect your home and valuables against extensive damage. While it typically covers water damage caused by a major weather event, will it provide the same coverage for damage caused by plumbing issues? Oak Plumbing, the premier expert in clogged sewer line repair in your area, discusses more here.
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It Depends on the Cause of the Plumbing Issue
Water damage caused by a faulty plumbing system could be covered by homeowner’s insurance if the problem was abrupt and not something that evolved over time. If a network of pipes in your home has suddenly burst, for instance, you may be reimbursed for replacement pipes, tanks and valves. Homeowners insurance may even cover the expense of wall repairs if your local plumbing company has to remove a section of the wall to access the damaged pipes.
You should look closely at your policy, as there are a number of clauses there that may cover repair work and residual damage due to a burst pipe. Dwelling coverage, for example, may cover water heater replacement costs, ceiling repairs, built-in appliances and plumbing. Personal property coverage, meanwhile, may provide reimbursement for valuables damaged in the accident. There’s also personal liability coverage, which may cover you if the plumbing accident has damaged your neighbor’s property and you’re held accountable for repairs.
When Plumbing Damage Isn’t Covered by Homeowners Insurance
What’s not covered is property damage instigated by a gradual plumbing leak, a backed-up sewage system or corrosion in the pipes. Basically, your homeowners insurance will only cover you if the plumbing issue isn’t caused by a lack of maintenance. That’s why it pays to have your plumbing system checked regularly by a professional. And should you notice any issues, like a small pipe leaking, have it dealt with immediately.
You can trust Oak Plumbing for this. We’re the area’s go-to choice for the highest quality residential plumbing solutions. With our top-tier services and experienced, highly skilled crew, we’ll make sure your plumbing system is always performing at its best. We also offer flexible, reasonable rates so you won’t have to worry as much about water heater repair costs.
Expect only superior workmanship that leaves no room for mistakes when you turn to Oak Plumbing to handle your plumbing needs. We proudly serve Benicia, CA, and nearby cities. Call us today at (707) 448-3567 or fill out this contact form to schedule your evaluation.