Does Homeowners Insurance Cover Broken Pipes?

In Wisconsin, broken pipes are one of the leading causes of insurance claims in the winter. Broken pipes can cause significant damage to a home, including water damage, mold, and structural damage. 

If you have homeowners insurance, it is likely that your policy will provide coverage for damages caused by broken pipes. However, it is important to note that the specific coverage provided by your homeowners insurance policy will depend on the type of policy you have and the type of damage caused by the broken pipes. Some policies may provide coverage for the cost of repairs, while others may only provide coverage for the cost of replacing damaged property.

It is also important to note that some homeowners insurance policies may have exclusions or limitations when it comes to coverage for broken pipes. For example, some policies may not cover damage caused by pipes that were not properly maintained or that were damaged by freezing temperatures.

To ensure that you have the coverage you need in the event of a broken pipe, it is important to carefully review your homeowners insurance policy and understand what is and is not covered. If you have any questions or concerns about your coverage, it is best to contact your insurance company or an insurance law firm like MGW Law who specializes in insurance claims. We can help you understand your rights and options under your policy and can help you fight for the coverage you need to repair and recover from the damages.