A bathroom plumbing leak may be common, but it could end up causing expensive repairs or replacements. You might be thinking about your homeowners insurance coverage for protection against such mishaps. However, bathroom leaks may cause water damage while damaging your flooring and accessories. So, all bathroom leaks and resulting losses are not covered by homeowners insurance.
Let us discuss what types of leaks are and are not covered by home insurance.
Gradual water damage refers to a repair that is not caused overnight but slowly develops over the months. For example, your pipe leaks, and you did not take any steps to fix it, so over time, the leaky pipe bursts, causing water damage. Unfortunately, a standard homeowners insurance policy won’t cover this type of damage.
Here are some other gradual repairs that are not covered by homeowners insurance:
Water damage may occur at any time, either from faulty plumbing systems or structural damage, so it is quite common to file claims for it. However, your homeowners insurance will only cover the following water damage:
The types of water damage covered will depend on the type of your homeowners insurance policy. However, generally, you will be denied coverage in the following situations:
Now, you are well aware of when you should file a claim for a bathroom leak and when you should not, so you can act accordingly to avoid claim denials or purchase add-ons for unwavering protection.
At John E. Peakes Insurance Agency, we offer comprehensive homeowners insurance coverage to have you covered against bathroom leaks and resulting damages. Our insurance agents are ready to assist you in choosing the right coverage options and additional endorsements according to your requirements. Contact us today to get started.