Are plumbing issues or blocked drains covered under homeowner's insurance policy? This is a question that professional plumbing services face almost every day and there is no one word answer possible for this particular query. If anybody wants to know whether plumbing issues like pipe bursts or blocked sewer pipes are covered under their insurance policy, the best of doing that is to check out with his insurance provider. One can also read the fine prints in the insurance policy document to find out whether that particular policy offers any coverage for plumbing related issues and if so what are the extents of that cover.

Is plumbing work covered by homeowner's insurance policy?

Plumbing problems such as pipe leaks or unclogging blocked drain are normally covered under typical home insurance policies but it is also important on the part of the property owners to understand that all insurance policies are different and the type and amount of coverage actually depends upon the type of insurance policy that you have procured.

There is one very important thing you need to understand regarding this matter and that is home insurance policies don't cover the cost of the action taken on the block drain but you can get cover for the damages it may cause to your property or possessions. That means you won't be reimbursed for the cost of hiring an Plumber Sydney or the cost of clearing the clogging or for any kind of repairing and replacement of blocked drains.

Types of cover that homeowner can have

Damages resulted from accidental plumbing emergencies can be covered by home insurance policies but there is one critical point to consider and that is gradual damage caused by lack of maintenance is not covered insurance policies and also if the damage is caused by negligence on the part of the homeowner. Here are three different types of insurance cover that homeowners can avail in case of plumbing related damages like blocked drains or leaked pipes.

  • Property coverage: This type of cover can get you reimbursed if your personal possessions like furniture, appliances or clothing are damaged by accidental plumbing situations or blocked drains.
  • Dwelling coverage: This clause in your insurance policy covers the structure of your property from damages caused by pluming emergencies. If parts of your house lie the walls, ceiling floorboard etc. are damaged you can get compensated if the plumbing issue is accidental and not caused by lack of maintenance or negligence on the part of the property owner.
  • Additional living expenses coverage: If a blocked drain or other plumbing issues temporarily displaces you from your home, under this coverage you will get reimbursement for your travelling, food and hotel expenses for the duration taken for repairing.

If your insurance covers plumbing issues like clogged drains or pipe leaks then you are entitled to file a claim following which an inspector from the insurance company will pay you a personal visit for analyzing the situation. All insurance company go through this step prior to processing a claim and do make sure with them the extent of cover that you will be getting.