will homeowner insurance pay for bathroom repair?

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Asked October 3, 2017

1 Answer


Whether or not a bathroom repair will be covered under your home insurance policy will depend on two factors which are the level of your deductible and the covered perils under your policy.

The first factor is the level of your homeowner's insurance policy deductible. If you carry a high deductible on your homeowner's policy and the repair will cost less than that deductible, then you will be unable to claim your policy. If the repair cost is just slightly over the deductible, you may want to avoid filing a claim as it can cause your premiums to go up when it is time to renew.

The second factor that will determine whether or not the repair will be covered is what caused the damage in the bathroom. For an insurance policy to respond and pay for property damage, the damage needs to have occurred as a result of a covered event. For example, most Louisiana homeowner policies provide coverage in the event of a fire. So if the damage was caused by a fire, the insurance policy will most likely provide coverage to repair the damage. However, if the bathroom damage was caused by a flood and you do not purchase flood insurance with your homeowner's policy, you will most likely not have coverage.

Answered October 5, 2017 by Parker2009

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