Does Home Insurance Cover Plumbing Repairs?

Plumbing is easy to take for granted, but few people would want to live without it. It’s important to know if your insurance covers these crucial pipes and fixtures and understand what exceptions apply. So, does home insurance cover plumbing repairs in your Houston, TX home?

What’s Covered?

A homeowners’ policy generally covers this type of repair under the right circumstances, such as when extreme temperatures cause water pipes to freeze and burst. The same goes for vandalism and theft. While they’re unlikely to steal faucets or PVC pipes, criminals could target your home’s metal plumbing in an effort to obtain valuable copper.

Home insurance also typically covers damage inflicted by house fires, wildfires, strong winds, and tornadoes. However, there are several exceptions. For example, it won’t fix plumbing problems caused by insufficient maintenance, pests, earthquakes, or river flooding. If you want to insure your home against external floods or earthquakes, you can obtain separate policies that cover these natural disasters.

Water Damage

If your plumbing needs repair, water damage to flooring, carpeting, ceilings, walls, or other items could also occur. Home insurance normally covers the necessary repairs if a large amount of water leakage suddenly triggers this damage. On the other hand, it probably won’t fix damage associated with a slow leak in a pipe or fixture.

Texas homeowners can protect their residences with home, condo, flood, and other insurance policies from Heydari Financial Group. Our independent agency has nearly 30 years of experience. The friendly staff at our Houston, TX, office will take the time to honestly answer all of your insurance questions and help you find the ideal coverage for your home. Don’t hesitate to contact Heydari Financial Group at 713-953-0404 to learn more.