Tips for Leaky Pipe Damage Insurance Claims Infographic
Signs of a Leaky Pipe Problem and How to Make a Claim
Signs of a Leaky Pipe Problem
Spotting a leaky pipe early can help you avoid a costly claim.
- Musty odors, including mold and mildew smells
- Discoloration and other visible damage to walls and ceilings
- Bulging walls and ceilings
- Unusually high water bills (or a water meter that keeps running)
- Low water pressure
- Odd smells from running appliances (like toilets or washing machines)
How Insurance Covers Leaky Pipe Damages
A standard homeowners insurance policy covers sudden and unexpected damage, so it could cover leaky pipe insurance claims:
Structural Damage: If a leaky pipe caused structural damage to your home and its foundation, then insurance could cover this structural damage.
Damage to Property & Possessions: Homeowners insurance covers your property and possessions, including the contents within your home.
Restoration and Repair Costs: Insurance covers the cost of repairing your property to pre-loss condition after a loss.
Learn more from this article about home insurance coverage for plumbing and leaky pipes.
Why Insurers Deny Claims
Insurers may deny a leaky pipe insurance claim:
- Insurance covers sudden and unexpected damages, like a burst pipe
- If a pipe was leaking over several months and you didn’t notice, insurers may deny the claim
- Insurers may also deny claims related to poor maintenance or wear and tear
- If you failed to heat your home, causing a pipe to freeze and burst, then insurance may deny your claim
- Insurance may cover the leaky pipe water damage and surrounding structural damage, but it may not cover related mold damage
How to Make a Claim
Water damage insurance claims can get messy. Although no two claims are alike, here’s the standard claims process from start to finish:
- Secure the scene. Call 911 if necessary. Protect life before property. Ensure all people and pets are safe.
- Contact your insurer. Your insurer may dispatch an emergency contractor or give you a list.
- Document damages by taking photos and videos. Photograph all damaged structures and possessions.
- Wait for the contractor to repair or restore the damage. You may receive additional living expense (ALE) coverage while your home is repaired (to stay in a hotel and buy meals).
- Consider hiring a public adjuster to navigate the claim, especially if your insurer is dragging its feet or denying parts of your claim.