Does Homeowners Insurance Cover Damages of a Plumbing Leak?

A household or building needs to be maintained for optimal performance. If the plumbing system malfunctions causing a leak, or outside water damage from a hurricane, flood, etc. occurs and is not properly fixed, it can not only be a nuisance but can cause a ripple effect of damage and expenses to the home or building. For this reason you must ask:

1. Does Homeowners Insurance Cover the Damages of a Plumbing Leak?

Some homeowners insurance policies do cover water damage from plumbing leaks but you have to seek out policies that cover the plumbing leaks that you are exposed to. For example, if you have a water heater, then you want to have a policy that covers the “peril” caused by a water heater leak. Plumbing leaks can be problematic. If left untreated a leak can worsen, as a minor drip magnifies into something much worse (see signs of water damage below!).

2. Does Homeowners Insurance Cover Water Damage?

Accidental damage from a water source inside your home is covered by most homeowners insurance policies, if the water comes from a source outside your home, like a storm, it will most likely not be covered by your homeowners insurance policy. To cover water damage from a source outside your home you can get separate (from your homeowners insurance policy), flood insurance. 

How to Spot Water Damage?

Be on the lookout for leaks and potential problems caused by water damage. It is important to maintain your property and its plumbing system to eliminate probable damages, dangers, and expenses. If a leak is discovered, make sure to have it properly addressed. More minor plumbing issues may be able to be completed without a professional, but for larger plumbing problems, contact a capable plumber to ensure the repair is properly completed, and then contact a qualified water damage restoration company to restore the area that has been damaged. If you discover the leak has resulted in water damage or mold issues, contact professionals to help. SI Restoration provides water damage restoration and mold remediation services! Don't let a leak bring you down; know the signs, make the repairs, and maintain your residence to prevent costly damages.

Signs of a plumbing leak include:

• Low water pressure
• Unexpected costs in your water bill
• Noisy pipes
• Moisture 

If you suspect or even see visible mold, contact a professional industrial hygienist. An industrial hygienist will be able to conduct tests to detect mold, the affected area(s) of the property, and level of mold toxicity. Again, make sure the source of moisture is addressed by a plumber prior to hiring a professional for mold remediation/removal.

Mold & Water Damage:

Not only can an untreated leak cause water damage but the excess moisture can eventually cause mold. Mold can grow as quickly as within 48 hours and can be dangerous to the health of household inhabitants.

Signs of mold include:

• Musty smell
• Wall discoloration
• Allergies, respiratory issues, and other symptoms of mold
• Visible mold

Please call 443-701-0111, email info@si-restoration.com, or use our contact us page for more information on our water damage and mold removal services.

SI Restoration mold remediation cleanup services are available in the following Maryland areas  : 

Towson          

Pikesville 

Catonsville 

Bel Air 

Baltimore City 

Baltimore County 

Dundalk 

Essex 

Laurel 

Parkton 

Westminster 

Aberdeen 

Hyattsville 

Burtonsville 

Bowie 

Chevy Chase

Elkton 

Gaithersburg 

Rockville 
Germantown 

Hampstead 

Manchester 

Mount Airy 

Sykesville 

Takoma Park 

Upper Marlboro