Does insurance cover leaks in water mains?

A nightmare for any homeowner can be a leak in the water main. These leaks, which can seriously harm your home, are more likely to occur in older areas with deteriorating infrastructure. The materials used to construct the water mains in those neighborhoods are no longer in compliance with standards, so they are more likely to leak.

Is Insurance Coverable for Water Main Leaks?

The Environmental Protection Agency (EPA) estimates that more than 200,000 water main breaks occur annually in the United States. If you don’t fix these leaks, they can cause a lot of damage to your house and are often hard to find. Not only is that a huge waste of resources, but it could also cause your water bill to go up significantly.
Contact the knowledgeable staff at SWR Plumbing if you have a broken water main or any other plumbing problem. We are here to assist you round-the-clock. Leaks in the water main are just one example of the many plumbing issues that can be fixed by our licensed plumbers.

Is a broken water main covered by traditional homeowner’s insurance?

Water damage is typically covered by homeowners insurance, but there may be some exclusions based on the nature of the leak. Your standard homeowner’s insurance policy may not cover the leak because it typically comes from outside your home, on public land. For instance, if a tree root penetrates your water line and ruptures it, insurance probably won’t cover the damage.
To determine what is and is not covered by your insurance policy, it is always best to consult your agent. They can assist you in determining whether you require additional coverage to safeguard your home against water main leaks and other plumbing issues.
We at SWR Plumbing know how annoying and frustrating a broken water main can be. We provide emergency plumbing services around the clock to assist you in resolving the issue as soon as possible.

When it comes to water damage, what is covered by homeowner’s insurance?

Water damage that originates within the home is typically covered by standard homeowners insurance. This includes water damage caused by faulty HVAC, appliances, and plumbing. Burst pipes in your kitchen or bathroom are examples of this kind of unplanned occurrence.
Water backup insurance is included in the standard homeowner’s insurance package. It’s important to have this optional coverage. For instance, the water backup coverage will come in handy in the event that a sewer line backup occurs and water begins to leak into your home. It will pay for any damage, repairs, and additional living costs associated with your claim.

Is there a way to get insurance to cover a break in a water main?

Yes is the straightforward response to this question. Flood insurance covers property damage caused by water outside your house. This includes flooding and water damage caused by a broken water main.
All damages caused by flooding are covered by flood insurance. Additionally, the National Flood Insurance Program (NFIP) officially defines a flood as “an excess of water on land that is normally dry, affecting two or more acres of land or two or more properties.” This definition is used to define a flood.
The National Flood Insurance Program (NFIP), which is administered by the Federal Emergency Management Agency (FEMA), is backed by the federal government. A policy can be purchased from a private insurer or through the NFIP.
If you live in an area that is prone to flooding, we recommend that you add flood insurance to your homeowner’s insurance policy. Even if you aren’t in a high-risk area, flood insurance is still a good idea because it can happen anywhere and at any time.
What they cover and how much they charge for premiums vary between insurance companies. Before purchasing a policy, it is essential to compare the various options. Talking to your agent about what they recommend for your particular circumstance is also helpful.
If your water main breaks, contact SWR Plumbing immediately. If your water main breaks, the first thing you should do is shut off the water to your home at the main shut-off valve. Your home’s potential for further damage will be minimized by this. After that, you should get in touch with SWR Plumbing for assistance in determining the extent of the damage and resolving the issue.
We have been fixing water mains for more than 30 years and are available round-the-clock for emergencies. We are aware of how stressful dealing with a broken water main can be. Because of this, we are here to assist you at every stage. To get started, contact us right away.