Floods are natural disasters that can happen at any time and can cause a great deal of damage to your home. However, what about broken pipes? Do you need to worry about flood insurance covering the cost of repairs? In this post, we will answer the question, “Does flood insurance cover broken pipes?” We will also discuss what flood insurance covers, what flood insurance doesn’t cover, the exceptions to flood insurance coverage, and what to do if your pipes break.
What Flood Insurance Covers
Flood insurance is designed to protect your home and belongings in the event of a flood. This type of insurance covers damages caused by rising water, such as those caused by heavy rain, melting snow, or overflowing rivers. Flood insurance typically covers the structure of your home, including the foundation, walls, floors, and ceilings. It also covers certain items within your home, such as appliances, furniture, and electronics.
What Flood Insurance Doesn’t Cover
While flood insurance covers a lot of damages caused by rising water, it doesn’t cover everything. Some of the things that flood insurance doesn’t cover include:
- Damage caused by sewer backups: If your pipes are clogged and sewage backs up into your home, flood insurance won’t cover the cost of repairs.
- Damage caused by broken pipes: If a pipe breaks in your home and causes water damage, flood insurance won’t cover the cost of repairs.
- Damage caused by mold or mildew: Flood insurance won’t cover the cost of removing mold or mildew caused by rising water.
Exceptions to the Flood Insurance Coverage
There are a few exceptions to flood insurance coverage that are important to note. For example, flood insurance won’t cover damages caused by neglect or lack of maintenance. If your home floods because you failed to maintain your plumbing system, your insurance company may not cover the cost of repairs. It’s also worth noting that flood insurance won’t cover damages caused by earthquakes or landslides.
What to Do If Your Pipes Break
If your pipes break and cause water damage, you’ll need to take action quickly to prevent further damage. The first thing you should do is turn off your home’s main water supply to stop the flow of water. Then, call a plumber to fix the broken pipe. If the water has already caused damage to your home, you should contact your insurance company to file a claim.
In general, homeowner’s insurance policies cover water damage caused by sudden and accidental events, such as a burst pipe. However, it’s important to review your policy carefully to see what is and isn’t covered. If your homeowner’s insurance policy doesn’t cover water damage caused by broken pipes, you may want to consider adding a water damage endorsement to your policy.
In summary, flood insurance does not cover damages caused by broken pipes. However, it’s still important to have flood insurance to protect your home and belongings in the event of a flood caused by rising water. If your pipes break and cause water damage, your homeowner’s insurance policy may cover the cost of repairs, but it’s important to review your policy carefully to see what is and isn’t covered.
Cover the Repair Cost of Broken Pipes with Abbate Insurance
At Abbate Insurance, we can help you understand your insurance policies and make sure you have the coverage you need. Contact us today to learn more about how we can help you protect your home and belongings from broken pipes.