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Pipe under tub bust will homeowners insurance cover?
A pipe under my tub bust / was never installed properly. The restoration guys came out and then a plumber. Restoration guys were sent from my insurance, but the insurance never sent anyone to check out the source. Will my insurance cover this? Plumber billed for 1,200.00 since he had to rip out the tub, find the pipe, drill a little into the concrete, and then re-install my tub.
I do not have "flood insurance" but I do have Homeowners insurance... will I be covered?
I do maintain my house yearly. There was no way for anyone to see this pipe even with X-ray vision. It was not leaking slowly - I believe it bust because of the hot water and weather (it's 104 where I live right now)
4 Answers
- 5 years ago
This depends on the sort of policy you've and what triggered the pipe to burst. Almost all house owner's policies won't duvet injury from water unless the motive is surprising and unintentional, or enters the condo from a gap in the dwelling that was once caused with the aid of an insured peril (i.E. Tree department falls by means of roof for the duration of a rain/wind storm. So if the pipe bursts for the reason that it's rusted, this might not be included seeing that the injury did occur immediately however occured over time. Additionally note that some policies do not duvet for water hammer, so assess your coverage if we suspect this would had been the reason (see hyperlink for definition of water hammer). An additional concern right now of the year is pipes freezing. You are required to make certain (either in my view or through a able man or woman) that the heating is being maintained throughout the natural heating season in your subject, despite the fact that you are away on trip. If the pipe that burst did so because it iced over, and it's located in an area of the residence that's typically unheated (i.E. Unfinished attic), then the injury is probably not blanketed.
- Anonymous8 years ago
I think so. Last winter a similar thing happened to me. A pipe in the wall leading up to the shower head had sprung a leak. I had no idea what the problem was. It ruined the bathroom floor, the vanity and wall, as well as part of the floor in an adjacent room. State Farm covered the damage............$6,000. I have flood insurance too, but it wasn't necessary to follow that route. Good luck.
- PamelaLv 68 years ago
Most homeowners will not cover the burst pipe, but will cover "ensuing damage" Call your agent.
- Anonymous8 years ago
should. call them and ask.