However, insurance will not cover the cost of repairing or replacing your water heater today, we’re exploring everything you need to know about water heater leak insurance claims. Your homeowners insurance policy should cover any sudden water damage due to a plumbing malfunction or broken pipe Does homeowners insurance cover a water heater
Are Water Heater Leaks Covered by Homeowners Insurance?
A burst pipe on your hot water heater or a leaking hot water tank is claimable on your homeowners insurance when the damage was unpredictable or caused by a covered peril, meaning it wasn’t the result of old hardware malfunctioning or poorly managed appliances.
If your water heater leaks and causes water damage to your home, like ruining walls, floors, or furniture, your homeowners insurance may help cover the damage
This only applies if the leak happens unexpectedly, not from lack of maintenance. Types of water damage not covered by homeowners insurance leaks caused by wear and tear or neglected maintenance plumbing, appliances, fixtures — all the things that handle water in your home — come under a lot of pressure, and over time their fittings and hoses need maintenance or replacement Failure to take care of them can cause leaks and water damage If you have homeowners insurance, you already have some coverage for water damage
However, not all types and sources of water damage are covered by a standard home insurance policy We take a look at the ins and outs of what may and not be covered.
