If you’ve had a major plumbing problem, you may be wondering whether the damage is covered by your homeowner’s insurance policy. Like many things in life, the answer is it depends.

Was the Plumbing Problem Sudden and Accidental?

A homeowner’s insurance policy covers problems with your plumbing that are sudden and accidental. This can include a burst pipe in a wall or ceiling, a fire and similar situations. If a pipe bursts due to cold weather, that should be covered. However, if the home was unheated when the pipe burst that probably wouldn’t be covered. It’s important to read through your homeowner’s insurance policy to see what is covered and what isn’t.

If there is coverage, the policy will cover fixing the plumbing. It will also cover damage to your home and personal property up to certain limits. Look at your policy to see what the deductible is, which is the amount you pay out of pocket.

Poor Maintenance

Homeowner’s insurance policies don’t cover maintenance. It’s expected you keep up your home, including the plumbing. Slow leaks, for example, are considered to be a maintenance issue. If you fail to fix a leaking pipe after weeks or months, you’re responsible for any damage.

Sewer Backup

Your home’s insurance policy probably doesn’t cover sewer backup. It may be considered as a maintenance issue. If the problem occurred off your premises, the fault lies with the city’s sewer entity.


Flooding is not covered under a homeowner’s insurance policy. You can buy a flood policy through the National Flood Insurance Program. Any insurance agent can obtain a quote for you to cover flooding.

Andersen Plumbing and Heating in Oswego, IL, can help you when you have a plumbing problem, whether it’s covered by your homeowner’s insurance policy or not. We help with traditional and tankless water heaters, drain cleaning, sewer repairs, sump pumps and more. Our team also replaces, repairs and maintains heaters and air conditioners. Call us today to find out how our services can help you.

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