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Does Homeowners’ Insurance Cover Busted Pipes?
Most home insurance policies cover “sudden and accidental” water damage or discharges of water from a plumbing source. This can be damage caused by burst pipes, tub/toilet overflow or broken appliances.
Unfortunately, homeowner’s insurance policies do not cover the actual cost of repairing the broken pipe section. It will not pay to replace the cause of the water damage. For example, if your dishwasher breaks and damages your floor, your insurance will pay to fix the floor, but not the dishwasher. However, Texas homeowners insurance usually covers the following:
- The cost of getting to the busted pipe, such as tearing down a wall/ceiling/sheetrock
- Necessary repairs to your damaged property, including the drying of wet carpets
- The cost of repairing and restoring walls/ceilings/sheetrock after the pipes are repaired
- Additional living expenses if your home is not in livable conditions before/while repairs are being made