Santana Bros Plumbing

Plumbing Issues: Are They Covered by Homeowners Insurance?

March 25, 2021

Homeowners insurance protects your home and valuable belongings from extensive damage. It often covers water damage as a result of flooding and severe weather. That said, does the same insurance coverage apply to the water damage caused by faulty plumbing? Santana Bros Plumbing, your local contractor for sewer replacements and other plumbing services, sheds light on the matter below.

The Short Answer: It Depends

Water damage caused by plumbing problems is still covered by homeowners insurance, as long as it was a sudden issue and not one that developed over a long period of time. For instance, if one of your home’s pipes suddenly bursts, you may be compensated for replacement valves, pipes and tanks. If the contractor has to remove part of the wall to gain access to the damaged pipes and perform repairs, your homeowners insurance may cover this as well.

The key to learning whether your homeowners insurance covers water damage caused by faulty plumbing is to read everything contained within the policy. Various clauses cover emergency plumbing repairs and residual damage if there’s an accidental discharge in your home. Personal property coverage, for example, provides coverage for all your valuables if they suffer water damage due to a burst pipe.

Conditions Not Covered by Your Insurance Policy

The insurance adjuster will visit your home to inspect the damage to your plumbing and determine your extent of liability. In other words, they’ll check for any hint of negligence on your part. Generally, the insurer may refuse your claim if any of the following conditions apply:

  • Signs of rust or wear and tear – You may not be covered by homeowners insurance if the pipes show signs of cosmetic and functional deterioration.
  • Frozen pipes due to neglect – If you didn’t do anything to prevent your pipes from freezing during the winter, you also may not be covered.
  • Old plumbing – The insurance adjuster may learn that you were aware that one of your plumbing fixtures is old and needs to be replaced. If it breaks and discharges water, you may not be reimbursed for repairs by your insurer.

For immediate plumbing repairs, get in touch with Santana Bros Plumbing. We’re the area’s go-to choice for the highest-quality residential plumbing solutions. We install water heaters, unclog drains and replace your entire water piping system. Call us today at (713) 547-4597 or fill out our contact form to get a quote or request service.

Recent Blogs

How Plumbing Upgrades Can Increase Residential Property Value!

Feb 15, 202452 Views

Home renovations include a variety of upkeep, repair and re-installation whether it is flooring, light fixtures or repainting the whole house. While all this holds extreme value, keeping your drainage and plumbing system in shape is equally important. This not only helps keep the house properly functioning but increases property value – attracting potential buyers […]

5 Signs That Might Signal A Plumbing Emergency

Jan 30, 20241298 Views

Plumbing issues can either come announced when you see signs of leaks or slow water flow. At other times, they may knock as an emergency wanting to be remedied as immediately as possible. We have compiled a list of few issues that require an emergency plumbing service at your home or commercial facility. Overflowing Toilet […]

Plumbing Solutions For Low Water Pressure

Jan 15, 20241053 Views

Low water pressure can severely affect the quality of your living. Showering can take more time than usual, doing the dishes and laundry can become tedious due to unfavorable water pressure making it more time consuming and frustrating. The reasons causing low water pressure can vary in nature, requiring professional plumbing service and assistance. Some […]

How Much Does it Cost to Maintain a Home Water Filtration System?

Dec 30, 20231219 Views

Water filtration system in Pearland TX and all across has become a necessary investment in residential homes to make sure that the water we drink is relatively pure than it already is. Regardless of the source, municipal or well water, there are multiple forms of bacteria and pollutants that can contaminate the water. Which is […]

The Difference Between Pipe Repair & Repiping

Dec 15, 20231001 Views

Dealing with leaks, blockages or inaccurate water flow? All these direct us to problems with piping and drainage. Minor piping issues can lead to more severe and even costly issues with your draining systems. Which is why it is important to keep track of any piping issues and get immediate resolutions by any repair or […]


Skip to content