Leaking Pipe In Wall Insurance

Plumbing faucets or pipes leaking over time causing damage to the walls ceilings or floors.

Leaking pipe in wall insurance.

Water damage caused by seepage coming in from cracks in the foundation or at the exterior of the house allowing water to enter your home. Say for instance a pipe behind a wall leaks and you don t notice it until water starts seeping through the wall. Homeowners insurance only covers floods due to internal. In the case that a neighbor has a leak that has damaged your property the neighbor s insurance will typically be involved but it may still fall on your insurance to repair or replace any items damaged in your unit.

Finding the leak and repairing the resulting damage caused by the water leak was covered in some policies however the cost of repairing the burst or leaking pipe was not covered. A homeowners insurance policy may help pay for damage caused by a slab leak depending on what caused the leak to occur. For water damage from leaky appliances or pipes the damage must be sudden and accidental in order to be covered by insurance such as a pipe that bursts while you re washing clothes. 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.

Most homeowners insurance policies help cover water damage if the cause is sudden and accidental. It is your job to take care of general maintenance issues. A leaking kitchen sink waste pipe located behind a wall causes hidden water damage you weren t able to identify immediately if the kitchen water damage was the result of a sudden and accidental event like the examples listed above then insurance companies will pay for water damage cleanup and repairs to any affected areas like cabinets. If the pipe has been leaking for years unnoticed your insurance provider will likely deny your claim.

If you ignore a leaking pipe and it subsequently bursts the insurance company can see evidence of a long term leak and deny the claim. Condo owners face some unique challenges because of the fact that they often share walls and some plumbing lines. According to the insurance information institute homeowners insurance may help pay for repairs if for instance your drywall is drenched after your water heater ruptures or an upstairs pipe bursts and water saturates the ceiling below. Your homeowners insurance policy should cover any sudden and unexpected water damage due to a plumbing malfunction or broken pipe.

But what about a slow leak you can t see.