Is a Water Main Break Covered by Homeowner’s Insurance?
Water mains are underground pipes that deliver water to homes from municipal sources. This complex network of pipes and spurs runs throughout neighborhoods
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The DrainMaster team
Family-owned Columbus plumbing, drain and sewer company, founded in 1999. Ohio License #35036.
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Water mains are underground pipes that deliver water to homes from municipal sources. This complex network of pipes and spurs runs throughout neighborhoods, and because they may likely have been installed some 50 years ago or more, they could be gaining susceptibility to breaks or leaks.
DrainMaster, your expert in water line repair in Upper Arlington, OH, discusses the extent of coverage provided by homeowners insurance for a water main break.
Will Homeowners Insurance Cover a Broken Water Main?
Essentially, the difference-maker in whether a broken main will qualify for insurance coverage is the cause of damage.
For instance, water lines that experience abrupt and considerable damage may qualify for coverage. An example would be clean-up and repairs for a damaged water line caused by digging in the yard.
In contrast, lines on the home’s property that have already sustained normal wear and tear due to temperature changes, shifts in the soil, and tree root intrusion will not qualify for standard coverage. Poor water line installation may also not be covered.
Note that the municipality is responsible for broken water mains. However, homeowners will still be responsible for water line services for pipes that connect the system to the house.
What Coverage Will Work for Broken Mains?
Water damage due to external sources, including water main breaks, may get coverage through flood insurance. You may ask your insurer and local plumber in Upper Arlington, OH for assistance.
The National Flood Insurance Program (NFIP) under the Federal Emergency Management Agency (FEMA) is designed to cover losses caused by flooding. Terms for a flood, in this case, refer to an overabundance of water on dry land that affects two acres of land or more or two properties or more. Flood coverage can be a good proactive measure in case of a water main break.
The Preferred Local Plumber
Since 1999, DrainMaster has become the preferred plumber in Upper Arlington, OH, and surrounding areas by demonstrating high standards and prioritizing careful, thorough work. We offer an extensive range of services, including plumbing repairs, sump pump installation, and water line replacement. Contact us today to schedule an appointment.
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