California’s Professional Repiping Plumbers Explain Homeowner’s Insurance Policies
Your plumbing system is one of the most important components of your home, as well as one of its most expensive. When your plumbing needs to be inevitably replaced, you may try to put it off because of the expense. Or you may have the idea that your homeowner’s insurance might cover the repipe.
Every homeowner’s policy is different, so there is no singular answer to whether a home repipe would be covered by homeowner’s insurance. However, there are some general guidelines that you can keep in mind.
Repiping & Your Homeowner’s Insurance Plan
The unfortunate answer to whether your homeowner’s insurance will cover your whole house repipe is likely “no.” You will need to carefully review your insurance policy to determine the specifics. Even if you think the policy indicates that a repipe is not covered, you should call the company and follow up with a representative. There may be scenarios in which the plan will cover the work.
In most cases, if the insurance policy does cover the repipe, there will be exceptions. For example, if you cannot prove that you have properly maintained your plumbing over the years, the insurance company may argue that the problems with the plumbing are the result of neglect and refuse to pay the claim. Your insurance company will likely require an inspection from a qualified repiping plumber before approving the claim. If the plumber provides any information indicating neglect or some problem caused by your actions, the insurance company is likely to reject the claim.
What Does Homeowner’s Insurance Cover?
Even if your insurance company won’t pay for your whole house repipe, it will likely pay for repipe repair and for damage caused by leaking or bursting pipes. You may experience either of these problems because of aging pipes, a buildup of sediment, corrosion over time, or freezing pipes. Your insurance company may refuse the claim if it determines that the problem was due to your neglect as a homeowner. However, if it rules the claim permissible, it will cover the cost of the repipe repair and of damages to your home.
The damages can be quite extensive in such cases. Even a small leak can cause steady exposure to water that can create rotting floorboards, ruined walls or ceilings, and an outbreak of mold. Tiles may have to be removed and replaced, insulation may have to be replaced, and appliances may have to be removed and reinstalled. You may even get damage to your electrical wiring. So long as your insurance company doesn’t determine that the incident was caused by your neglect or error, it should cover repair and replacement of all that.
Beware of just waiting for your pipes to break down and getting them replaced by your insurance one by one. Most insurance companies will limit how many of these claims they will pay before they cancel your insurance – making it very hard for you to find coverage with another company.
If your plumbing starts leaking under your concrete slab foundation, you are going to have much bigger problems on your hands. Not only are you going to need a complicated and expensive repipe repair, but you are going to have major damage to repair. These leaks can cause structural damage to your home, which can create a domino effect of damage throughout the home.
Your homeowner’s insurance is likely to cover the damage caused by slab leaks, though it may balk if it finds that the problem with the pipes was caused by regular aging of the system, neglect, or intrusion by tree roots.
If you discover a problem with your plumbing, your first call should always be to a reputable repiping plumber, who will inspect the system to discover the root of the problem and can make the needed repairs or upgrades. Your repiping plumber can also work with your insurance company to get a claim paid if the situation is applicable. If you have an aging system, you should contact a repiping plumber for an inspection and consultation. If you put off a repipe when one is needed, you are just going to bury yourself in repipe repair bills. You should take a proactive approach to save yourself money and hassle, as well as to keep your home safe.
Call Integrity Repipe if you need repipe repair or repiping in California. Our experienced repiping plumbers can quickly perform the needed repipe repair or help you understand if you need to consider total repiping. We can counsel you on the best materials for your repipe to get a long-lasting, high-performing, and energy-efficient system. Contact us in California today to schedule a consultation with a repiping plumber and learn more.
Published by – Integrity Repipe Inc
Integrity Repipe Inc – San Clemente, CA
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