Does Homeowners Insurance Coverage Reimburse for Bathroom Leaks?

Apr 19, 2023

Home Insurance

Does Homeowners Insurance Coverage Reimburse for Bathroom Leaks?

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.

Is Gradual Water Damage Covered by Homeowners 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:

  • Old/damaged wires
  • Roof repairs (leaks or damaged shingles)
  • Rot, rust, or mold damage
  • Lack of maintenance-related repairs

What Types of Bathroom Leaks May Be Covered?

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:

  • Broken/Burst Pipes — Accidental or sudden repairs resulting from a broken or burst pipe will be covered.
  • Mold Damage Issues — Mold damage resulting from a named peril will always be covered.
  • Tree Damage to Roof — Damage resulting from a falling tree branch on the roof may be covered.

What Types of Bathroom Leaks May Not Be Covered?

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:

  • Mold Damage — Most standard homeowners insurance policies don’t provide mold damage coverage. You may need to buy an additional endorsement as required.
  • Sewage Backup — Water damage resulting from sewage overflow or backup will not be covered by homeowners insurance, so you may need a separate add-on for that.

How to Not Get Denied for Bathroom Leaks Coverage?

Follow these simple tips to minimize your odds of getting denied for bathroom leaks claims:
  • Know Your Policy — Ensure that you know the coverage exclusions of your policy so that you can decide whether you need separate insurance for leak coverage.
  • Schedule Regular Maintenance — Leaks resulting from general wear and tear typically aren’t covered, so ensure to schedule a professional plumbing inspection every year to identify leaks or damages beforehand.
  • Purchase Additional Coverage — A basic homeowners insurance policy will not cover floods, mold damage, etc. So, buy additional coverage depending on your home or location-specific perils.

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.

Stay Covered Against Bathroom Leaks with John E. Peakes Insurance Agency

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.

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