If your plumbing, household systems, or appliances leak, your homeowner’s insurance covers sudden and unexpected water damage. As a result, your insurance company can help pay for the repairs or replacement of your furniture if your basement floods due to a broken water supply pipe. Although homeowners’ plumbing insurance covers a variety of plumbing problems, it will usually not cover things like gradual leaks or frozen pipes in an unheated home that cause water damage.
Homeowners’ insurance may not cover mould caused by preventable water damage. Homeowners’ insurance usually covers plumbing insurance damage and leaks when they happen suddenly and accidentally. Your homeowner’s insurance will pay for repairs if your home was properly heated at the time and the water damage was caused by frozen pipes.
It may also be possible to be covered for repairs if a plumbing leak occurs in your walls and is unknown to you, even if it occurs over weeks or months. If your home is damaged by a major plumbing accident, your homeowner’s insurance policy covers a variety of damages, including repairs to the structure of your home.
Dwelling coverage can cover the cost of replacing or repairing wet floors, walls, and cabinetry if your house is damaged by a leaking or burst pipe or a malfunctioning water heater. Water damage to structures separate from your main house may not be covered by insurance because it may not cover the cost of replacing your plumbing or household systems.
Suppose your home is not the only structure damaged. In that case, your homeowner’s insurance will cover any necessary repairs up to the limit of your coverage if a plumbing accident occurs in a detached garage or guest house on your property. Homeowners insurance will pay for a replacement if water caused by a broken pipe damages your furniture, clothing, or jewellery.
When your house is being repaired, your loss of use coverage may pay for temporary living expenses, such as hotel stays, restaurant meals, or other temporary living expenses.