Will the insurance cover my broken pipe?
Water damage is one of the most common and devastating types of property damage. Whether it’s the result of a broken pipe, a burst water heater or something else entirely, getting your insurance company involved can help you cover the cost of repairs and prevent any further damage to your home. Here are some answers to common questions about filing an insurance claim after water damage.
If you have a broken pipe and the water is leaking into your home, your insurance company will cover the cost of repairs. However, if your roof has a leaky spot or if there's another plumbing fixture that has sprung a leak (such as a toilet), those damages are separate claims and may not be covered by your policy. It a safe practice to know what your insurance policy covers.
In most cases where pipes break inside the walls of an older home, insurers won't deny claims because of an outdated structure, they'll just pay for the repairs needed to fix them.
Filing a claim.
After filing a claim, the insurance company will send an adjuster out to assess the damage and make a settlement offer. The adjuster is trained in assessing damage and making fair settlements for repairs. If you accept their offer, they'll pay for all necessary repairs and deduct it from your deductible (the amount of money you're responsible for). You can always decide not to accept their settlement offer and continue making repairs yourself.
Making repairs yourself.
If you have an insurance company that is offering to cover the cost of repairs, but not all of them, there are a few things to consider. First and foremost, it's important to know whether or not your policy covers broken pipes. If it does not, then there's no point in filing another claim with your insurance company because they'll just deny it again.
Secondly, if you choose not accept their offer and decide instead repair everything yourself without help from anyone else, then this means paying out-of-pocket for all those expenses as well as taking time away from work or school in order complete them and possibly losing income during those hours when most people would be working.
If these are both options seem like too much work for one person alone then maybe consider hiring someone who has experience repairing burst water lines?
You should file a claim with your insurance company whenever you have water damage. You can always decide not to accept the settlement offer and continue making repairs yourself, but this will take time and money that could be better spent on other things. If you have insurance, filing a claim is your best option
Insurance is there to protect you, so filing a claim is always a good idea. If you don't have insurance or aren't sure if your current policy covers water damage, we can help you find the right coverage for your home. Call SERVPRO today for your water restoration emergency.