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Are burst pipes covered by home insurance?
A pipe in our laundry room burst and we’re handling repairs. Does home insurance cover burst pipes?
Payton Ternus · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Oh no! Hopefully it’s a speedy repair so you can get your laundry room back.
Home insurance
will generally cover burst pipes in that it covers accidental water damage after a covered leak. If a pipe suddenly bursts out of nowhere, it is typically covered unless the cause of the burst is an exclusion. If the burst pipe causes damage to the structure of the house or your personal belongings, your policy will most likely cover the damage too.
A burst pipe due to wear and tear or aging is typically excluded from your homeowners insurance. Your insurance company may also deny your claim if you ignored a smaller leak that steadily grew and caused more damage.
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