Will the Insurance Company Cover My Broken Pipe?

11/5/2022 (Permalink)

Water damage in a Davie, FL home.

Will Insurance Cover the Repairs of Water Damage

Water damage can happen to anyone. It’s one of the most common household disasters, and it can be caused by a number of things. The good news is that homeowners insurance can cover water damage—but only if you act fast. Here are the top insurance claims for flood damage.

We know that in an uncontrollable and unexpected event like water damage, your first call is to the insurance company. In addition to paying for the cost to replace items damaged by the water damage (if there are no other options), your insurance company will also cover any personal belongings lost or damaged in this type of situation. The source of the flooding will make a difference in how insurance handles the claim. 

Broken Water Pipe / Water Heater

Broken water pipes and heaters can become a problem in your home or business. Insurance claims will be different depending on why they broke. To help make sure you can get an accident covered, make sure all of your pipes are in good condition and regularly checked for leaks. Preventative maintenance on appliances such as the water heater is often required by law; make sure you are doing this regularly!

Household Appliance Malfunction

If you have a household appliance that has broken and needs to be repaired, your insurance company will cover it if the cause was an appliance malfunction. It is important to note that there are a few instances where you would not be covered for these repairs. For example, if the damage was caused by your pet or someone else in your home, it will not be covered by your policy.

Sump Pump Failure

If you have a sump pump and it fails, your crawl space will fill with water. Sump pumps are used to remove water from the lowest point in a house. They're often installed in crawl spaces, though they could be anywhere that needs to be protected from flooding.

If your sump pump fails, you might want to replace it with one that's more durable and reliable. The best ones come with backup batteries so they'll keep working even if there's a power outage or something else goes wrong.

Backed Up Sewer Drain/Septic Tank System

A backed-up sewer drain is when sewage flows backward through your plumbing system and into your home. The problem can occur for many reasons, including:

• Inadequate drainage in the soil surrounding the pipe leading to your septic tank or wastewater treatment plant. This can be caused by poor soil compaction and /or overuse of water causing excessive runoff into your pipes.
• A broken pipe inside your home that allows sewage to flow backward into your house.

If left untreated, a backed-up sewer drain can cause major damage to floors, walls, and ceilings of the area where it originates (i.e., where it enters the home).

If you have a leaking or broken pipe in your Davie, FL home or business, call SERVPRO of Weston/West Davie. We are a trusted company with experience in water damage and insurance claims. Our team is available 24/7 to help you get water damage restoration started!