If you’re a Texan who remembers or was impacted by the 2021 Winter Storm Uri, you might be wondering: does homeowners insurance cover busted pipes when the next deep freeze hits Texas?
You pay your premiums, maintain your property, and do your best to comply with your insurer, but when a pipe bursts, what does your policy really cover? Understanding what’s covered under your policy can be confusing. In this article, we’ll explain how homeowners insurance typically handles burst pipe claims in Texas, what types of water damage are covered or excluded, what steps to take if your claim is denied, and when to call an attorney to help fight denied or underpaid claims.
Does Homeowners Insurance Cover Busted Pipes?
Standard homeowners insurance in Texas often does cover water damage from pipes that suddenly burst, like freezing. However, the specifics depend heavily on your policy, the cause of the burst, and whether the insurer considers the damage preventable or resulting from neglect. If you haven’t done so in a while, take some time to review your policy and understand what is covered and excluded to ensure complete protection of your property.
If you’re worried about what the next winter will bring and your current policy is unclear whether burst pipes are covered, it may be worth contacting your insurer and purchasing additional coverage (if necessary).
What Burst Pipe Damage Does Homeowners Insurance Cover and Not Cover?
Insurance companies are picky about which costs they will pay, and the phrase “Does homeowners insurance cover busted pipes?” doesn’t always have a universal answer. Below are key distinctions to understand.
Cause of the Burst
If the pipe bursts due to sudden and accidental causes, such as freezing during an unexpected cold snap, many standard homeowners policies will cover the resulting water damage. However, if the damage is due to homeowner negligence, like ignoring a slow leak over time, the insurance may not cover it.
Resulting Damage vs. the Pipe Itself
Homeowners insurance often covers the resulting damage from a burst pipe, such as damage to walls, floors, and personal belongings, but may not cover the cost of repairing the pipe itself. This distinction is crucial, as many homeowners assume the policy will handle both the pipe and the damage it causes.
Flooding vs. Water Damage
If the burst pipe causes internal water damage, it's usually covered. However, if the water leads to external flooding that affects your home, standard homeowners' policies may not cover it. For flooding issues, separate flood insurance is typically required.
What to Do If a Pipe Bursts on Your Property
A burst pipe can be a nightmare, but taking swift action can minimize damage and improve your chances of a successful insurance claim. Here’s a step-by-step guide on what to do if a pipe bursts on your property:
1. Shut Off the Water
The first and most crucial step is to stop the water flow by turning off the main water valve. This will prevent further water damage to your home.
2. Turn Off the Electricity
If water from the burst pipe is near any electrical fixtures or outlets, cut off the electricity in that area to avoid the risk of electrocution.
3. Document the Damage
Before attempting any repairs or cleanup, document the damage thoroughly. Take photos and videos of the affected areas, including the pipe, water damage, and any ruined belongings. This evidence is critical when filing your insurance claim.
4. Contact a Plumber
Call a licensed plumber to assess the situation and stop further damage. Keep any receipts and written assessments from the plumber, as they will support your claim.
5. Call Your Insurance Company
Notify your insurance provider as soon as possible to begin the claims process. Provide them with all necessary documentation, including photographs, plumber reports, and any receipts for emergency repairs.
6. Begin Cleanup
To prevent mold and further water damage, begin the cleanup process only after you’ve documented everything. Dry out the affected areas and dispose of damaged items. However, don’t throw away anything before your insurance adjuster has inspected it.
7. Follow Up
Stay in contact with your insurance company throughout the claims process to ensure it moves forward smoothly. Keep records of all communication.
What to Do If Insurance Denies Your Busted Pipe Claim
All too often, insurance companies try to delay, underpay, or flat-out deny coverage for burst pipes. If this happens, don’t panic. You have options.
Your first step? Seek legal help. Consulting an experienced property insurance claims attorney can help you understand your rights and explore legal options for disputing the denied claim. In Texas, there are specific laws and protections in place to prevent unfair claim denials by insurance companies. A lawyer familiar with Texas insurance laws can help you navigate them and provide a trusted resource to help you successfully:
- Review Your Policy: Look for sections that discuss water damage, burst pipes, and any exclusions that may apply. Understanding the specific language of your policy can clarify why your claim was denied.
- Request a Detailed Explanation: If the denial isn’t clear, ask your insurance company for a detailed explanation in writing. Sometimes claims are denied for procedural reasons, such as missing documentation, which can be easily resolved.
- Provide Additional Documentation: If your claim was denied due to insufficient evidence, you may be able to submit additional documentation. This could include more photos, professional assessments from contractors or plumbers, and any other relevant records that support your case.
- Dispute the Decision: If your claim was denied unfairly, you can hire an experienced insurance claims attorney to help you dispute the decision and get compensated what you’re owed.
We Can Help Fight an Underpaid or Denied Burst Pipe Insurance Claim
If you were denied an insurance claim for burst pipes and believe it should have been covered, we’re here to help. The Lane Law Firm serves families and business owners who need assistance. With 15+ years of experience and inside knowledge of insurance companies' tactics, we’ll level the playing field and do everything possible to get your claim approved.
Contact the knowledgeable team at The Lane Law Firm today to fight your insurance claim denial.
