Homeowners Insurance Cover Damage from Old Pipes that Bursts

At StormClaim.com, our Boca Raton public adjusters know that bursting or broken pipes — and the damage that results — have long been contentious claims with insurance companies.

Most insurance companies would consider a home’s plumbing to be under normal homeowner maintenance. Since this blog specifically points to “old pipes that burst” there may be a line the insurance companies will not cross when deeming your home’s damage credible.

The property owner is responsible for making sure all the home’s pipes are generally maintained, which means unclogged, screwed tight, and free from mold, mildew, or other signs of water damage that suggest a small crack, hairline fracture, or leak somewhere.

When pipes are older, or potentially the original plumbing in an older home, the idea of what “maintained” means may become less clear — especially as far as your insurance company is concerned.

While your unique insurance policy will dictate what is and is not covered, the circumstances typically depend on the nature of the incident. Here’s what homeowners need to know about filing a broken pipe claim.

What Types of Broken Pipe Claims are Covered Under Florida Homeowner’s Insurance Policy?

If the damage occurs because of something sudden or unforeseen — like a broken pipe — a homeowner’s insurance policy typically covers it.

However, if the cause is because of gradual damage, like rust or wear and tear that happens over a long period — like a leaking pipe — the insurance company may not cover the damage.

If you feel your claim has been unjustly denied, our StormClaim.com professional may be able to help.

Contact Our Broken Pipe Professionals Today to Learn More About Your Rights and Options to Pursue the Best Outcome

If your home suffered water damage from a broken pipe that should be covered by your insurer, and you believe the insurance company is failing to provide an accurate assessment of those damages or is denying them outright, contact our skilled Florida public adjusters at StormClaim.com today to schedule a free consultation and learn how we can produce solutions for your unique recovery needs by calling (844) 967-8676.


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