Your homeowners insurance policy should cover any sudden and unexpected water damage due to a plumbing malfunction or broken pipe. However, most home insurance policies exclude damage to your home that occurred gradually, such as a slow, constant leak, as well as damage due to regional flooding.

Who is liable for water leak?

This means that as a property owner; you’re responsible for the maintenance and repair of the pipes that supply water to your property. This includes all the pipes that run inside your home and outside too. For example, if there’s a leak on the property boundary, then that is the homeowner’s responsibility.

Can you claim for a water leak?

If the damage caused by your water leak is very small, then it may not be prudent to make an insurance claim. However be careful, not to underestimate the cost to repair the damage caused by the leak. Even smaller leaks can lead to damage that is costly to repair.

Does homeowner insurance pay for water damage?

Most homeowners insurance policies will not cover the source of the water damage. So, while your policy may cover the cost of tearing out and replacing that damaged floor, you shouldn’t expect it to cover the cost of replacing your broken dishwasher or washing machine.

Can a homeowners insurance policy cover a leaking pipe?

Does homeowners insurance cover water damage from leaking pipes? Your home insurance policy should cover any sudden and accidental water damage resulting from a plumbing failure, such as a burst pipe or ruptured water heater.

Is the cost of a water leak covered by insurance?

Thankfully many buildings insurance policies offer cover for water damage, also known as ‘escape of water’, as standard. But while your policy may cover the cost of repairing the leak and any damage caused, finding it – known as ‘trace and access’ – isn’t always included.

How can I find out if my insurance covers water damage?

If you’re not sure whether your insurance will cover water damage caused by a leaky pipe or appliance, review the exclusions and exact wording of your policy with your insurance agent.

What kind of insurance do I need for a burst water pipe?

Most buildings insurance will cover you for water damage as standard. Insurance providers often term this as an ‘escape of water’, whether it’s caused by burst pipes in winter or a leaky washing machine. What causes burst pipes? Cold weather in the winter is the main cause.