A broken hot water heater is never a pleasant experience. Both the cold showers and repair costs can be stressful to think about!
To find out if your hot water heater is covered under home insurance, you need to determine the cause of the damage.
Generally, insurance companies only offer coverage if the damage resulted from one of the 16 covered perils
listed in your policy. Covered perils often include fire, freezing, or accidental bulging or burning. That said, your insurance won’t cover the damage if it’s the result of:
Birds, vermin, rodents, or insects
To be safe and confirm what coverage you have, contact your insurance company and explain the situation.
Should you have to pay for repairs out of pocket, you can recoup some of your losses by using Jerry
to save on both your home and car insurance
. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and will even help you cancel your old policy.