What if a Pipe Bursts in Your House? Are you Covered?

When investing in a homeowners insurance policy, you may assume that every peril is covered. While most unfortunate situations are covered, there are a few instances that are not. If you have a pipe burst in your home, it may or may not be covered.

When a pipe in your home bursts, an insurance adjuster will come and take a look at the issue before deciding if it is covered. If they find that the pipe burst due to lack of maintenance or preventable negligence, the problem will probably not be covered by your homeowners insurance policy. The insurance company will hold you responsible for the damage, since you failed to perform the proper upkeep on your home. Insurance will cover mishaps and accidents, but not negligence.

If the pipe bursts due to faulty workmanship from the installer of the pipe, or from a sudden event that you were not able to prevent, the damage will most likely be covered by your insurance. There are many instances that would fall under faulty workmanship, such as if a professional caused more damage than good when working on the pipes. If there is a very severe winter that causes the pipes to freeze and burst, that would be considered an event that you were unable to prevent, which would mean the damage would be covered.

Most of the time, your homeowners insurance will also cover damage that is done to the pipes if a heavy objects fell onto the pipes causing damage. However, your insurance company can also seek payments from the person who dropped the object and caused that damage.

For all of your homeowners insurance needs to ensure that you house is protected from any peril in the Conejo Valley, California area, contact Cappuccino Insurance Agency.