Does home owner's insurance cover a leaky drain pipe from a bathtub that causes water damage to the walls?

Answer 1

If you have "accidental water discharge" coverage on your policy then it will cover damage that results from a water overflow or a leak. If you do not have the coverage then it will not be covered.

Your policy will not cover the cost of the plumber to fix the leak if it's a normal maintenance issue.

You will want to call a plumber first and get the leak fixed before the company will pay for any resulting other damages.

Answer 2

I am not familiar with any homeowners policy that would provide coverage for the bathtub. This is because the tub has simply worn out and cracked or was poorly manufactured and insurance companies are not providing homeowners coverage for wear and tear or poor workmanship.

In regards to the water damage, if the damage was caused by a sudden and accidental rush of water damaging dwelling immediately. Then coverage for the damage will be provided. On the other hand if this was a small crack and the damage was caused by a leak, seep or drip over a long period of time, it will be much more difficult to get coverage.

Answer 3

Home Insurance and Leaking PipesIf you can see the leak, then it's your responsibility to get it fixed. If you wait until it bursts or the leak causes damage, your insurance may invoke the negligence clause and not pay for it. It all depends what you tell them. AnswerCoverage really depends on your policy type and the cause of the leak. The Leaky PipeIf your pipe is leaking due to damage resulting from a sudden loss or peril (Fire, Wind, Hail, Lightning, etc.) covered under your insurance policy then your insurance company would cover repair costs and resulting damage subject to your policy deductible.

If your pipe is just old and leaking then that is considered a normal and expected home maintenance issue and would not be covered.

Resulting water damageIf your policy has coverage for accidental water discharge, then resulting damage, even if from a faulty pipe, would be covered after the leak has been repaired subject to any deductible but the actual leaking pipe itself may not be covered depending on the cause of the leak as described above.

Answer 4

It just depends on the type of policy and scope of coverage you purchased.

Generally it will also depend on the reason for the leak. If the leak was caused by a covered peril such as fire, lightning etc then it would be covered.

If the pipe was just old, worm out or defective, then it would likely not be covered. However, If you elected coverage for accidental water discharge, although a worm out pipe itself may not be covered, Once you have fixed the Plumbing problem, any resulting water damage from the leak may still be covered.

You will need to ask your insurer or review your policy for coverage clarification.

Answer 5

Most home owners policys state the loss must be sudden and accidental, also many specifically deny back up of sewer or drain. But you should turn this in and find out definately.