Are Water Main Leaks Covered by Insurance

Any household can experience the dread of a leaking water main. These kinds of leaks, which can seriously harm your property, are particularly common in older communities with deteriorating infrastructure. These communities have water mains that are more likely to leak because they were built with materials that are no longer acceptable.

Every year, according to the Environmental Protection Agency (EPA), there are more than 200,000 water main breaks in the US. These leaks are frequently challenging to find and, if ignored, can seriously harm your house. That not only represents a big resource waste, but it may also result in a significant rise in your water bill.

Contact the knowledgeable staff at Elizabeth Drain Service if you have a water main break or any other plumbing issue. We are available to you 365 days a year. Water main leaks are one of the many plumbing repairs our certified plumbers are skilled at.

Does a Broken Water Main Fall Under the Original Homeowners Policy?

Despite the fact that most homeowner's insurance policies cover water damage, various exclusions could apply based on what caused the leak. Since the leak often originates from outside your home on public property, your typical homeowner's insurance policy might not be applicable. For instance, it's unlikely that insurance would pay out if a tree root broke your water main.

To find out what is and isn't covered by your insurance policy, it is usually best to check with your insurance agent. They can assist you in deciding whether you require additional protection for your property against plumbing problems and water main leaks.

We at Elizabeth Drain Service are aware of the trouble and annoyance that a damaged water main can bring about. In order to assist you in finding a rapid solution to the issue, we provide emergency plumbing services around-the-clock.

What Is Covered by Homeowners Insurance for Water Damage?

The majority of ordinary homeowner policies cover water damage that results from sources inside the house. This includes leaks caused by broken HVAC, plumbing, or appliances. Such unintentional events include pipe bursts in your kitchen or bathroom.

There is water backup coverage in addition to the typical homeowner's insurance. It's crucial to get this extra insurance. For instance, if you have a backlog in your sewer line 

You will be happy you have the water backup coverage if there is a leak and water begins to enter your home. Any damage, restoration, and additional living expenses related to your claim will be covered.

Is a Water Main Break Insurance Option Available?

Yes is the straightforward response to this query. Water damage to your property resulting from sources outside of your home is covered by flood insurance. That covers flooding and water damage caused by a damaged water main.

All damages that are a direct result of flooding are covered by flood insurance. The National Flood Insurance Program (NFIP), in turn, defines a flood as "an excess of water on land that is normally dry, affecting two or more acres of land or two or more properties."

The National Flood Insurance Program (NFIP), which is managed by the Federal Emergency Management Agency (FEMA), provides flood insurance that is backed by the federal government. Either the NFIP or a private insurer are options for purchasing insurance.

If you reside in a flood-prone area, we advise you to include flood insurance in your homeowner's insurance policy. Since floods can occur anywhere at any moment, it's a smart idea to have this coverage even if you're not in a high-risk location.

What they cover and how much they charge for premiums vary amongst insurance companies. This is why it's crucial to evaluate many policies before choosing one. It is also beneficial to speak with your agent to find out what solutions they advise for your particular circumstance.

Reach out to Elizabeth Drain Service Your Water Main Might Break

The first thing you should do if a water main breaks is shut off the water to your house at the main shut-off valve. This will lessen any additional harm to your house. When you are ready to assess the damage and make the necessary repairs, get in touch with Elizabeth Drain Service.

We have been fixing water mains for more than 30 years, and we are always on call for emergencies. We are aware of the anxiety a damaged water main can cause. We're here to support you every step of the way because of this. To begin, contact us at (908) 988-0365 right away.