Are Plumbing Repairs Covered by Homeowners Insurance?
A homeowners insurance policy offers tremendous peace of mind, but will it cover plumbing repairs in your Brownfield, TX home? It’s complicated, but understanding what is and isn’t covered can save you a whole lot of trouble.
Know Your Homeowners Insurance Policy
When it comes to insurance coverage for plumbing repairs and associated damage, the devil is in the details of your policy. In general, most home insurance policies are specifically limited to issues that insurers classify as “sudden and accidental.” This common phrase refers to damage that occurs without warning and could not have reasonably been foreseen or prevented. However, many policies offer optional add-ons to cover things like sewage backup and broken service lines.
Responding to Unexpected Emergencies
If you’re faced with a plumbing-related emergency, it’s important to know how to respond effectively. First and foremost, call your local 24-hour plumbing repair company to get help quickly and prevent further damage. Next, carefully document the problem by taking photos and making a list of any damaged property or belongings. Report the incident to your insurance company right away and follow their instructions to begin the claims process. Typically, an adjuster will assess the situation and determine whether it makes sense to formally submit a claim.
How To Avoid Uninsured Plumbing Repairs
For homeowners, the unfortunate reality is that home insurance simply isn’t meant to cover general plumbing repairs. Most malfunctions result from gradual deterioration or neglect, so taking care of your plumbing system is critical. One great way to put your mind at ease is to invest in whole-home repiping. If your existing system is aging or prone to leaks, professional repiping can give it a new lease on life.
To ultimately avoid the stress of potentially uninsured losses, call Integra Plumbing, Heating & Air Conditioning for reliable, high-quality plumbing repairs.
Image provided by iStock
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