Any household can experience the dread of a leaking water main. These kinds of leaks, which can seriously harm your property, are particularly common in older communities with deteriorating infrastructure. These communities have water mains that are more likely to leak because they were built with materials that are no longer acceptable. But is a water main break covered by insurance?
How Common of an Issue Is It?
The Environmental Protection Agency (EPA) reports that there are more than 200,000 water main breaks in the US. These leaks are frequently challenging to find and, if ignored, can seriously harm your house. That not only represents a big resource waste, but it may also result in a significant rise in your water bill.
Contact the knowledgeable staff at Autry Plumbing if you have a water main break or any other plumbing issue. Water main leaks are one of the many plumbing repairs our certified plumbers are skilled at.
Does a Broken Water Main Fall Under the Original Homeowners Policy?
Despite the fact that most homeowners’ insurance policies cover water damage, various exclusions could apply based on what caused the leak. So is a water main break covered by insurance or not? Since the leak often originates from outside your home on public property, your typical homeowner’s insurance policy might not be applicable. For instance, it’s unlikely that insurance would pay out if a tree root broke your water main.
Take a look at your insurance policy, or check with your insurance agent. They may be able to help you decide whether you require additional protection for your property against plumbing problems and main water leaks.
We at Autry Plumbing are aware of the trouble and annoyance that a damaged water main can bring. But we are professionals with years of experience, and we’ll implement a rapid solution to the issue. We provide emergency plumbing services around-the-clock.
What Is Covered by Homeowners Insurance for Water Damage?
The majority of ordinary homeowner policies cover water damage that results from sources inside the house, so when is a water main break covered by insurance?
Usually when there is backup coverage in addition to the typical homeowner’s insurance. It’s crucial to get this extra insurance. For instance, if you have a backlog in your sewer line.
You will be happy you have the water backup coverage if there is a leak and water begins to enter your home. Any damage, restoration, and additional living expenses related to your claim will be covered.
Is a Water Main Break Insurance Option Available?
Yes is the straightforward response to this query. Water damage to your property resulting from sources outside of your home is covered by flood insurance. That covers flooding and water damage caused by a damaged water main.
All damages that are a direct result of flooding are covered by flood insurance. The National Flood Insurance Program (NFIP), in turn, defines a flood as “an overabundance of water on land that is ordinarily dry, impacting two or more acres of land or two or more properties.”
The NFIP, which is part of the Federal Emergency Management Agency, provides flood insurance that is backed by the federal government (FEMA). Either the NFIP or a private insurer are options for purchasing insurance.
If you reside in a flood-prone area, we advise you to include flood insurance in your homeowner’s insurance policy. Since floods can occur anywhere at any moment, it’s a smart idea to have this coverage even if you’re not in a high-risk location.
Cost and premiums vary amongst insurance companies. This is why it’s crucial to evaluate several different policies before choosing one. It is also beneficial to speak with your agent to find out what solutions they advise for your particular circumstance.
If the water main breaks in your home, call Autry Plumbing.
The first thing you should do if a water main breaks is to shut off the water to your home at the main water shut-off valve. This will lessen any additional harm to your house. When you are ready to assess the damage, reach out to Autry Plumbing.
We are ready 24/7 for emergencies and have years of experience fixing water mains. We are aware of the anxiety a damaged water main can cause. We’re here to support you every step of the way.
READ NEXT: Are You Considering Repiping Your Home?