Will insurance replumb your home?
UPDATED: Jun 28, 2011
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Asked June 28, 2011
Putting new plumbing pipes in your home is not included in a standard home insurance policy. Insurance companies consider replacing the pipes a preventative maintenance issue rather than damage repair, and will deny claims for having such work performed. If your household pipes are failing, the resulting damage may be covered, but it will depend on the policy you have and how it is worded.
Water damage caused by failing pipes is usually covered by home insurance, but you may run into problems if the insurance company views the damage as being a result of negligence. That is, if the insurance company decides that your water damage could have been prevented through normal maintenance, it may not be covered. On the other hand, most policies will cover water damage as long as the bad pipes were not recognized before the incident happened, such as a heavily corroded pipe bursting the wall being your first indication that replumbing was necessary.
Read your policy carefully to find out what type of damage is covered, such as mold damage, and whether the insurance company will pay for total repairs to resolve the issue. Typically, the damage will be covered, including any repairs needed to stop the immediate danger, but replacing all of the household piping will be an out of pocket expense that you are responsible for yourself.
Answered June 28, 2011 by Anonymous