Does Homeowners Insurance Cover Broken Pipelines?

Damage caused by the sudden water flow into a house can get very messy and cause you more trouble than you imagine. Any house building or an establishment can anticipate a water emergency at any time because of its sudden nature that could not be preempted. While living in an area prone to get affected by such water-based damages, a secure insurance policy should be taken for the same.

For an insurance policy to secure your building from damage, a sudden and unexpected occurrence is crucial in incidences of such water damage. Many a time, for any regular person, it may get challenging to figure out whether the insurance policy covers the water damage claim.

The standard home insurance policies that are availed of commonly cover only the sudden and internal entry of water and the damage caused by it, and the water should not have touched the ground outside the house. Damage caused to the building due to lack of maintenance or sheer neglect in taking care of the property is usually exempted from the insurance policies. Even in the case of floods, it may be disappointing to know that it requires flood insurance other than an insurance claim for water damage.

For those who are wondering whether plumbing issues or broken pipes are covered? It's sad news that topics such as ground seepage, poorly maintained pipelines etc., are also exempted from the claims in the case of water damage.

Not just the plumbing issues but the resulting moisture issues cannot be taken lightly as well. If not taken care of properly, the continuous moist environment might lead to mould accumulation, which is also usually not covered in the standard policies taken by the regular people without any consultation, which they might easily miss out and suffer unnecessarily because of this minor ignorance, leaving them to bear the expenses all by themselves. But as long as the mould or any other potential damage caused is not a direct result of poor maintenance, it might be covered in the insurance policy. But, if you have a public adjuster like Onyx adjusting by your side, then it becomes easily solvable as you already get to know what can get your claim passed. 

It becomes utterly necessary that you contact your insurer as soon as possible after identifying the damage that is a result of sudden water leakage because the more you delay, the chances of discrediting your claim grows higher; it is also advisable that you take photographic evidence before calling the insurance company to support your claims effectively and identify the damages carefully as your insurance policy provider may not be willing to accept all your claims as such. In the case of the potential damage that may be caused as a consequent result, the photographs can be helpful to justify your claims.

Suppose you are not satisfied with the coverage given by the insurance company's adjuster for your water damage insurance claim. In that case, you can hire a contractor to evaluate your damages, or better consult a public adjuster like Onyx, and be assured of getting a proper assessment and the maximum claim.

To know such in-depth details of the insurance policy you take, it is recommended to take the help of a leading public adjuster such as Onyx adjusting. Who makes you aware of the flaws in your insurance policy and provides you with practical solutions that help you obtain the full benefits of your claim.