How Long Do I Have to File a Homeowners’ Insurance Claim After a Pipe Breaks?

At, our public adjusters know that pipe breaks and water damage can devastate a home in a matter of minutes.

But what happens when the water damage goes unnoticed, filling the home for days, weeks, or even months?

Since is a part-time home to hundreds of thousands of people, a broken pipe inside a home with no occupants can cause incredible damage until someone identifies that there is a problem.

When this nightmare becomes a reality, the homeowners’ insurance company is going to want the details of what happened — starting with the date the pipe burst.

While you may not know the actual day the pipe burst, you should still have plenty of time to file a claim.

Here is why.

Will My Homeowners’ Insurance Company Cover Water Damage From a Pipe Burst?

The good news is — if there is any to be had after returning to find the home damaged by water — most homeowners’ insurance policies will cover a pipe break if it is unforeseen, like a burst pipe, and not a slow, leaking issue that resulted from poor maintenance.

When it is a pipe burst that caused significant damage, the homeowners’ insurance policy typically covers the destruction and damage caused by gushing water as a covered peril — meaning the damage occurred suddenly and by accident.

How Long Do You Have to File a Home Insurance Claim?

You have four years from the date of the incident to file a claim for homeowners’ insurance.

However, a timely filing of a claim will increase your chances of preserving evidence and getting an acceptable settlement.

If you were unaware there was an issue, it would have been impossible to file a claim sooner.

Unfortunately, that will not stop the insurance company from potentially scoffing at the claim.

You have 14 days from the time you notify your insurance company of your claim until they acknowledge receipt of your claim and provide you with a Homeowner Claims Bill of Rights.

After their response, you do not have to take the insurance company’s word for your property damage value. We will evaluate your complete damages, so you can pursue a satisfactory claim amount without delay.

Public Adjusters Can You Pursue a Positive Outcome From Your Insurance Coverage

Contact our skilled public adjusters today to schedule a free consultation and learn how we can produce solutions for your unique recovery needs by calling 844-967-8676, so you do not have to face the insurance company alone.


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