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Is Repiping Covered By My Homeowner’s Insurance?

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Homeownership brings with it many responsibilities, including the maintenance and upkeep of your property. One of the most crucial components of your home is its plumbing system which may require extensive repairs or even complete replacement eventually. A whole house repiping is a costly and extensive plumbing service. 

Homeowners frequently ask us if whole house repiping is ever covered by homeowner’s insurance. Let’s look at the factors that influence whether whole-house repiping is covered. Keep in mind that every homeowner’s policy is different and there is no single or straightforward answer to this question and that contacting your specific insurance provider is recommended.

Understanding Homeowners Insurance Coverage

Homeowners insurance is designed to provide financial protection against unforeseen events that may damage or destroy your home and possessions. Typical coverage includes protection against perils such as fire, theft, vandalism, and certain natural disasters. However, homeowners insurance policies can vary widely in terms of coverage limits, exclusions, and deductibles.

What Is Whole House Repiping?

Whole house repiping involves replacing all of the plumbing pipes in a home, typically due to age, corrosion, or extensive damage. As you can imagine, it’s an invasive and time-consuming service. Signs that your house may need whole-house repiping include frequent leaks, low water pressure, rusty or reddish-colored water, and visible corrosion on pipes.

Scenarios Where Whole House Repiping Probably Isn’t Covered

  • Gradual Wear and Tear: Insurance policies typically exclude coverage for damage caused by gradual wear and tear, including corrosion and deterioration of plumbing pipes over time.
  • Lack of Proper Maintenance: If the damage to your plumbing system is deemed to be the result of neglect or lack of proper maintenance, your insurance claim may be denied.
  • Exclusions Related to Specific Causes or Events: Certain perils such as flooding or earthquakes, are often excluded from standard homeowners insurance policies. This type of coverage is usually added in a separate policy or addendum. If whole-house repiping is necessitated by one of these excluded events, you may not be covered.

The question of whether whole-house repiping is covered by your homeowners’ insurance dials down to 3 main factors: your policy specifics, the cause of the plumbing damage, and your proactive maintenance. 

While sudden and accidental damage is more likely to be covered, gradual wear and tear and lack of maintenance usually aren’t covered. It’s essential to review your insurance policy carefully, understand its limitations and exclusions, and take proactive steps to maintain your plumbing system. If you’re unsure about your coverage or need assistance navigating the claims process, the best thing to do is to ask your insurance company.

The Bottom Line

As a homeowner, it’s essential to be proactive in understanding your homeowner’s insurance coverage and taking steps to protect your investment. Take the time to review your policy documents, allow us to assess your plumbing system’s condition, and address any issues promptly. If you have questions or concerns about whole house repiping, reach out to our team today. 

Contact HM Plumbing today to discuss plumbing services in Atlanta, GA. Serving with Integrity.

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