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.

Answer
“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.”
avatar
Shannon Martin
Answered on Jul 27, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
thumb-up

Did this answer help you?

Ask us a question by email and we will respond within a few days.
thumb-up

Have a different question?

You can meet us at our office and discuss the details of your question.

Read advice from car experts at Jerry

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings — it's 100% free