mbrcatz
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The standard HO3 policy WILL cover water damage from the burst pipe, but NOT the pipe or plumbing fix itself. There is one MAJOR exclusion to that - if the house has been vacant and you didn't leave the heat on.
The good news is, the pipe itself is the cheapest part. The bad news is, if you have ONE burst pipe, you probably have more - especially if the heat has been off in your house . You won't find out about the others until the house warms up. |
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Dee C
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You should call them since each policy is different. |
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blb
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It is going to depend on the type of policy that you have. If it is an HO 3 or HO5 the pipe will not be covered but the damage that the water caused will be covered under your policy minus your deductible. (A deductible is charged for each occurence and not once a year).
If the house is sitting vacant and you have not maintained the heat they will not cover the claim. |
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Geoffo
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water damage is covered on any half decent policy. you may have to pay for the pipe yourself which will be a minimal amount. |
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mizzms
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It should, call your insurance company and ask them... |
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shadow_runnr
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Perhaps. Depends on you coverage, the status of the house, etc, You should call your agent to see. |
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fighting saints
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Most Homeowners policies will cover the resulting damage.
Here is another factor to keep in mind for this type of situation. Depending on why the pipe burst you and your company may have subrogation (reimbursement) rights. If the item causing the damage is defective your insurance carrier will want to retain the item and have it tested. If found to be defective they can make a claim for reimbursement to the manufacturer. They would seek both the $ they paid and your deductible. It may take a long time to conclude the subrogation claim but you may get your deductible back So if you a loss from any item (pipes, hoses, faucets, washers, toasters etc. etc.) that MAY be defective make sure that the repair person does not take or destroy the possibly defective item. |
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Gambit
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This depends on the type of policy you have and what caused the pipe to burst. Almost all Homeowner's policies will not cover damage from water unless the cause is sudden and accidental, or enters the house from an opening in the dwelling that was caused by an insured peril (i.e. tree branch falls through roof during a rain/wind storm. So if the pipe bursts because it is rusted, this will not be covered since the damage did occur suddenly but occured over time. Also note that some policies do not cover for water hammer, so check your policy if we suspect this might have been the cause (see link for definition of water hammer). Another concern at this time of the year is pipes freezing. You are required to ensure (either personally or by a competent person) that the heating is being maintained during the usual heating season for your area, even if you are away on vacation. If the pipe that burst did so because it froze, and it is located in an area of the house that is usually unheated (i.e. unfinished attic), then the damage will not be covered. |
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gatewaycustomer42
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This happened to me before.
You can have a repair person fix it immediately, and then: Yes you should file it as a claim with your homeowner's.
What usually happens is: the insurance will send a claim adjuster to verify the damage. They will NOT care how much the repair person charged - they have fixed amounts they allow for your accident. Many policies have a deductible, so if yours does, the allowed amount will apply to your deductible. Unfortunately that would mean you are out the $$ but at least you met your deductible for 2007. |
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