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Home Insurance Question from Anchorage, Alaska
Answer given on October 2, 2018
In the homeowner insurance policy, damage to a pipe is not covered for most losses. However, the damage done by the water is a covered peril. The deductible under the policy will apply to that damage. In most policies, the insurance company will also pay to repair the wall or flooring to get to the pipe that caused the damage, it just will not cover to repair the pipe itself. The home can not have been vacant or unoccupied for over 30 days, if the cause of the damage was due to a frozen pipe.
Be sure to file a timely claim for this type of loss, as mold and mildew can develop quickly, and the insurance company may not be willing to pay for this additional damage if you wait to file a claim. If you have to make some emergency repairs to avoid further damage, be sure to document and to take photos of anything that you do before the adjuster can come out to your property. It will help the adjuster understand the damages done by the broken pipe.
NOTE: The IMPORTANT NOTICE below is a part of this answer!
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