Is Plumbing Covered By Homeowners Insurance?

flooded home

Generally, homeowners insurance covers any leak or damage that occurs suddenly or through an accident. Besides, it will cover the plumbing repairs if frozen pipes caused the damage, but only if there was proper heating in your house. You can also be covered for repairs if a leak is hidden inside the walls and unknown to you.

You will find different types of coverage homeowners insurance policy provides in case of an emergency plumbing situation, such as protecting your home, belongings, and other living expenses. A.M. Plumbing shares the various ways you can be covered:

1. Dwelling Coverage

This covers structural damage to your house. When your home gets damaged by a leaking pipe or malfunctioning water heater, dwelling coverage can help you pay to repair or replace drenched walls, floors, or cabinetry up to the limits of your coverage. This coverage will, however, not pay to fix any household appliances if they are the main reason for water damage. Look for a trusted plumber in San Marcos, CA, who can efficiently investigate the problem and recommend the best solution.

2. Personal Property Coverage

This pays for any damage that happens to your belongings. In this case, your insurance firm will be mandated to reimburse you for some new commodities if, for instance, broken pipes have caused water damage to your furniture, clothing, and other valuable items. Our plumbing company will work closely with your insurance provider to ensure you get the compensation you deserve.

3. Other Structures Coverage

With this coverage, you will get compensated for all structural damage that is separate from your main home. So, for any plumbing accident that occurs in a guest house or detached garage on your home, homeowners insurance will pay for all the required repairs until your coverage limit is reached.

Be sure to review your insurance policies and communicate with your insurance provider to avoid unpleasant surprises down the road. As your reliable source of high-quality plumbing services, A.M. Plumbing & Rooter can help you navigate the insurance claim process and restore your plumbing system as soon as possible. Contact us today for an appointment.

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