A burst pipe could cause severe damage inside your home. Damaged plumbing could affect the integrity of drywall, fixtures, and trim pieces near where an incident took place. Your home insurance policy may cover plumbing incidents that are accidental. Learn what types of incidents are covered. Review the steps to take after a plumbing incident.

Accidental Plumbing Incidents

Your home insurance policy will specify the type of plumbing incidents that warrant coverage. An accidental plumbing event will typically need to take place in order for insurance coverage to be valid.

For instance, if a pipe that is behind a wall ruptures due to freezing temperatures, your home insurance policy may cover the damage that occurs. On the other hand, if a pipe becomes clogged due to failing to maintain the plumbing system within your home, this incident may not be covered.

Preventive measures that ensure that plumbing operates properly are your sole responsibility. It is in your best interest to maintain plumbing to prevent serious mishaps in the future.

Incident Response Steps to Follow

If a pipe bursts within your home, it is important to respond to the issue promptly. A comprehensive report on what took place should be recorded. This information will be necessary when you are filing an insurance claim.  An inspection will determine how severe the damage is.

The inspection results will highlight which materials need to be repaired or replaced. It may indicate what type of protection your home insurance policy provides.

Consultation with An Agent who Serves San Francisco, CA

Set up a meeting to speak with one of our agents from Biddle-Shaw Insurance Services Inc. An agent will provide additional information about your home insurance policy. They can also guide you when upgrading your existing home insurance policy.