Does homeowners insurance cover broken pipes and what is the procedure to file a claim?

Sally, Louisiana

Dear Sally,

According to the Insurance Information Institute, broken pipes are covered under the standard homeowners insurance policy. Your insurance should also cover damage caused by broken pipes.

The insurance industry does encourage people to take steps to decrease the likelihood of having pipes break by doing things like insulating their pipes. That's because broken pipes are a major insurance expense. Broken-pipe claims cost the U.S. insurance industry $4.2 billion during the past decade alone, according to statistics from the State Farm Insurance Co.

As for the claims process, we have a story that should help answer your question. Take a look at How to maximize the claims process.

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