insurance

Discussion in 'Plumbing Forum, Professional & DIY Advice' started by ally68, Feb 1, 2005.

  1. ally68

    ally68 New Member

    Messages:
    67
    Location:
    Missouri
    Question will regular home owners insurance cover damage from leaking or burst pipes and or water heater?

    Thanks
  2. jimbo

    jimbo Plumber

    Messages:
    8,997
    Location:
    San Diego
    This is a legal question, SO take any advice you get here with a grain of salt.


    The way I understand MY OWN insurance policy, a sudden or catastrophic leak such as a burst pipe or fitting, a burst water heater, etc. is covered. SLOW leaks, such as a drip or minor leak even like a pinhole, which go on for a prolonged period of time and cause possibly enourmous damage which is only discovered later, this is NOT covered.

    I advise you to consult with your own insurance agent, and if necessary your lawyer, to determine what you coverage is.
  3. Jimbo is exactly right.
    And I have a real word of caution about trying to collect insurance on a leak.
    There are MAJOR issues with mold due to leaks, and you could find your insurance canceled at some point if you even contact them about it, much less file a claim.
    Mike

    http://www.health.state.mn.us/divs/eh/indoorair/mold/
    Last edited by a moderator: Oct 11, 2005
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