How to File Plumbing Insurance Claims
Home warranty and homeowners insurance policies are designed to protect you and your home.
Water Damage?
When is Plumbing Covered by Insurance?
Plumbing is generally only covered by homeowners and renters policies when damage is sudden and accidental. These policies are designed to protect you in case unexpected water-related incidents occur in your home or property. Make sure that your insurance is for plumbers and plumbing.
Call a local plumbing company like Reliant Plumbing the moment you suspect a water leak, because pipe damage or mold could be present depending on the circumstances. Plus, the longer the item sits without repairs, the less likely your claim will be approved.
Does Homeowners Insurance Cover Plumbing?
Plumbing insurance, such as homeowner’s insurance or renter’s insurance, often include coverage for water damage caused by sudden and accidental events. This means that if water damage happens suddenly and unintentionally, your insurance may help cover the costs associated with repairing or replacing the damaged property. For example, if a pipe bursts in your home, causing water to flood the area and damage your furniture, flooring, or other belongings, insurance can provide financial assistance.
Mold is generally covered when the damage was sudden and accidental, reported immediately, and photographed in the condition it was found. If mold develops on a damaged item, it would be covered.
It’s important to note that insurance for plumbing and specific policies may vary, so it’s crucial to review your policy or consult with your insurance provider to understand the details of your coverage. You’ll want to check for any limitations, exclusions, deductibles, or specific conditions that apply to water damage claims.
Does Home Warranty Cover Plumbing?
In short, it depends on your circumstances. Home warranties specifically cover damage that occurs as a result of everyday use. This can be applied to most appliances and even plumbing systems too. Home warranty will help cover plumbing costs depending on the situation. Make sure to default to your policy to make sure your plumbing emergency is covered, otherwise it could be covered under home insurance.
What is Not Covered by Insurance?
Homeowners and renters policies may cover most everything in your home, except for floods and gradual water leaks. Gradual water leaks are the opposite of “sudden and accidental” damage because the extended time of the leak can be attributed to a failure in maintenance or up-keep. It is so important to shut off the water at the first sign of a leak to make sure it does not turn into a gradual water leak that does more damage.
For example, mold that forms from a gradual seepage is generally not covered.
Flooding is also not covered in policies with sudden and accidental damage coverage. A separate flood policy is needed for any natural disaster flooding events or flooding due to water in the home. Again, it is important to check your policy for exact coverages that you are entitled to.
Can I Get Plumbers Insurance?
Generally, an insurance for plumbers does not exist that covers all plumbing costs directly. However, Reliant Plumbing offers a membership plan that can apply directly to your plumbing costs.
- Priority Service Calls
- 1 Free Sewer Inspection Each Year
- 1 Free Water Heater Flush Each Year*
- 10% off Service Fee on Most Jobs
- A Discounted $45 Service Fee (Waived w/ Approved Work.)
*must be an active member for 6 months to receive offer
Getting a new water heater? Membership pays for itself in the same visit with 10% off! Ask your Reliant plumber for details.
How to Make A Claim with Your Insurance
How to Make a Mold Claim
Insurance may ask you to hire a water-clean up contractor for the damage caused by mold. Also known as mold inspectors, these professionals make easy work of water clean up in your home.
The mold inspector, known as a water-cleanup contractor, must provide you with the following
- A State License
- An inspection report with details of the fixed issue
- A certificate of mold removal.
The mold claim will only go through if the cause was not due to prolonged exposure to water, which includes gradual seepage or flooding. Make sure to hire a water-cleanup contractor with these 3 requirements in order to have the best chance of an approved claim.
Overall, it is best to make sure to call insurance, right after you call the emergency plumber, when dealing with water damage in the home. Acting swiftly to maintain your home and minimize water damage will ensure your claim is best supported. In combination with your policy, this will provide the insurance company with all the information needed to send you a check for the covered damages.