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Will homeowner's insurance cover damage from frozen pipes bursting?
When does homeowner's insurance pay for water damage? I live in the south where it usually doesn't get that cold in the winter. I woke up this morning and there were two inches of water all over my first floor! Flooding isn't usually covered I know, but I don't see how I could have prevented this.
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Your homeowner’s policy does have some coverage for water damage but it depends on the situation.
Damage from burst water pipes can be covered as long as the heat was turned on in the home. If you were out of town for a few days and left your heat off, then no, the damage would not be covered.
Insurance policies have language that describes water coverage for sudden and accidental discharge of water. If you were home and there was a cold snap and your pipes happen to burst, then it should be covered.
If you are unhappy with how your current insurance company handles this claim, then it may be time to shop for a new carrier. By bundling your auto and home insurance, you can save with a multi-line discount.
Use the free
Jerry
app to help make this happen! Jerry collects auto and home quotes from over 50 companies and brings the lowest available rates right to your phone.” View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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