Will Homeowners Insurance Cover Burst Pipes Due to Weather? 

Homeowners insurance is designed to protect your home from various risks, but whether it covers burst pipes due to weather can depend on several factors.

Typically, standard homeowners insurance policies can cover damage caused by burst pipes, but the specifics can vary based on the circumstances and the policy details.

Homeowners Insurance Coverage for Burst Pipes

Most homeowners insurance policies include coverage for “sudden and accidental” water damage, which typically encompasses burst pipes. If a pipe bursts due to freezing temperatures, the resulting water damage to your home and personal property is usually covered.

This can include damage to floors, walls, furniture and other belongings. It’s important to review your specific policy and consult your broker to understand exactly how burst pipes may be covered.

Preventive Measures and Maintenance

Insurance companies typically expect homeowners to take reasonable steps to prevent such incidents. This means maintaining adequate heating in your home during cold weather and properly insulating pipes.

If an insurer determines that the burst pipe was due to negligence, such as failing to keep the home heated or not repairing known issues, they may deny the claim.

Exclusions and Limitations

It’s important to note that while the damage from the burst pipe might be covered, the repair cost may not be. Additionally, some policies exclude certain types of water damage, such as flooding from external sources.

Again, this is why reviewing your policy and understanding what is and isn’t covered is crucial.

Additional Homeowners Insurance Coverage Options

Considering additional coverage options might be wise for those living in areas prone to extreme weather. For example, adding a rider for water backup or a separate flood insurance policy can provide extra protection.

Learn More

Contact SaveGuard Insurance today to review your homeowners insurance.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.