Broken pipe. Water damage. Am I covered? Does Homeowners Insurance Cover Broken Pipes? Good question!
There are frequently asked questions in our industry. In relation to water damages due to broken pipes, the “Does Homeowners Insurance Cover Broken Pipes” question is at the top of the order.
The damage from water can be devastating, expensive and always unexpected! But the typical Homeowners policy (HO-3, Special Form) covers all risks of direct physical loss to your home including water damage but with significant exclusions and limitations. Where the water originated ultimately determines whether a loss may be covered or not. A professional public adjuster will be able to look into your policy and determine your range of options.
It is important to note that it is the “damage” to your home from the water loss that is covered. Our precise inventory if damages and documentation for your insurance company will not leave any stoned unturned so you can expect the highest settlement possible in your insurance claim due to water damages that come from broken pipes. Broken pipes, even that get damaged because of wear and tear, decay, defective materials or methods of construction could be part of the covered loss.
Homeowner’s insurance covers the cost of fixing many of the problems that can arise in an aging home. It may cover water damage caused by a leaky roof, damage to interior pipes that burst due to age or poor insulation, and fire damage caused by faulty electrical wiring. Your insurance company will want to know where exactly the break occurred.
South Florida Solutions Public Adjusters can determine correctly depending upon the policy, problems with exterior plumbing, analyzing the home’s foundation in regards to where the leak for broken pipes occurred, and tracing of any negligent damages. Our claims adjuster determines how the pipe has broken and weather it was due to age or weathering or ongoing problems.
Burst pipes can be a financial headache for homeowners, but remember that fortunately, Homeowners Insurance Cover Broken Pipes because of unexpected burst pipes and the water damage that results, according to the Insurance Information Institute. A burst pipe is no minor leak, even a 3-millimeter crack can flood your home with 250 gallons of water per day.
Let SF Adjusters assist in your property case due to broken pipes. Our number to call is 305 744-2900. We will be ready to assist you. South Florida Solutions Public Adjusters is at your service, around the clock 24/7!