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Does insurance cover a broken pipe?

Thumbtack Editors
Answered

Sudden water damage may be included under most homeowners’ insurance policies, but it’s typically not covered if the damage could have been avoided with proper maintenance.

For example, if a pipe in your laundry room suddenly bursts and causes damage to the flooring and walls, that is usually covered by insurance. But if a pipe under your sink has been leaking for months and causes your wood floors to rot, your policy won’t cover that damage.

Always double-check with your insurance agent (or another expert)  to see what your policy covers.

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