Does Homeowners Insurance COVER Plumbing DAMAGE?!

Does Homeowners Insurance Cover Plumbing Costs? - Ask A Plumber

When your plumbing has a catastrophic failure, will your home insurance pay for it? Today I'm going to tell you about when I've seen home insurance help out homeowners paying for their plumbing repairs. So if you're wondering if home insurance pays for plumbing this video is for you! Check it out and let me know what you think

Thanks for watching! I'm Roger Wakefield, LEED AP, The Expert Plumber and welcome to my channel. On this channel I teach homeowners how to save money on their plumbing by doing DIY plumbing projects. I also teach plumbers and plumbing company owners how to be the best plumbers in their area and run successful plumbing businesses. My goal is teach you everything you need to know about plumbing.

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[danielchris]

Most intelligent words I've heard.

[MF_PHANTOM]

I'm 15 and I wanna be a plumber so imma just watch every video on the channel

[rupe]

I have seen insurance pay for damage due to a busted washing machine hose. It was the hot water side which cause both water and steam damage in 2 rooms plus the garage ceiling below. This included new sheetrock (about 3 ft high) and replacement insulation. After demolition it took about a week to dry the place out before building repairs could be made. They also had to sand and refinish a hard wood floor that warped. (waited 2 weeks for that to dry) At the time the new hoses were around $3 each. (guessing 30 years ago)

[crwlh]

*For insurance to cover water damage, it must be "sudden & accidental" damage.* A leak usually causes damage over time, and that type of damage is excluded. As mentioned in the vid: any type of damage caused by lack of maintenance is not covered.

[taysav]

Great video Roger! I've never really thought about if plumbing costs are really covered by insurance.

[therbeeo]

Very relevant info for plumbers and homeowners. Great video!

[JoshuaCairns]

When I lived in AZ, the lines coming off of the water heater in the garage ruptured in the wall, which flooded my kitchen. We ended up getting the kitchen rebuilt, all the flooring on the main level, as well as painting the whole floor to match what was redone in the kitchen (open floor plan). It was basically rebuilding the main level of our house. USAA insurance.

[ObiBassoholic]

Plumber by day decorated power lifter by night.

[janeenexplains]

This is good information. I'm a adjuster and I can tell you. If the pipe is the cause of loss, that pipe will not be covered. If the person has a Basic policy with an exclusion for water damage. It won't be cover at all.

[mattie]

My insurance covers plumbing
But you have to pay the $1, 000 deductible first
I would only utilize my insurance
If the plumbing issue was over a grand
A good insurance agent will give you a list of plumbers that works with your insurance company

[Sunfell]

My water company sent me a letter about my water consumption being higher than usual. I followed the instructions in the letter and discovered that there's a leak somewhere in the system. Everything inside is fine, but I am afraid that there's a leak under the slab (I'm still troubleshooting, but I also have to work.). I have a plumber coming over early next week to see what he can do. My homeowners insurance covers service line and damage, thank goodness.

[NSarg]

Hey Roger I love the videos! I'm starting a residential apprenticeship soon. I've been in a couple other trades, but none that weren't stationary. Do you have any videos on toolbags? I'd love to know some of your favorites and why :) thanks for making all this great content for us

[kikidhen]

Ugh- AC drain backed up July. Simple fix for the plumber but- as you mentioned- they only cover the cleanup, not the repair. That bill is $4k total... now I have to figure out how to fix my basement- I’m guessing insurance won’t give me anything to do that 😞

[DestinyDad]

This is an off-the-wall question but I collect watches just curious what kind of watch that was in your thumbnail

[davidmoore]

I previously worked in Auto Insurance so a bit different than Home Owners but a lot of the things you're mentioning carry over to auto as well. If a part malfunctions generally your policy won't cover the part but it will cover any resulting damage, so if you're driving and due to poor maintenance something catches fire under the hood it gets diagnosed to determine what went wrong and that's out of the equation of what we'd cover but all the resulting fire/smoke damage is covered minus your deductible. Also as Roger said make sure you're clear when calling in with a question and an actual new claim. I know I'm still talking Auto, but working claims I'd get claims that were submitted and really it was something like "Grandma had this happen if it happened to me how's that work?" once the claim gets filed even if we don't pay anything out and close it that could still negatively impact your insurance rates.

[condios]

Your video is educational but the props that you have don't favor your personality seems a little frustrating but great video!

[cerillo]

can you talk about PTO, vacation time, sick leave in union and non union please

[everardogracia]

All the cuts got annoying fire that editor