Plumbing Systems and Homeowner’s Insurance

Whether you already own your home or you plan to buy a new one, you need to know that plumbing has a large effect on how much you pay for homeowners insurance premiums. When you scrutinize the insurance paper, you will realize that one of the coverage items on the list is water damage. A deeper look into the causes of water damage in homes points to faulty plumbing as the major culprit.

There are two kinds of plumbing failure that can lead to water damage in the home. The first is bursting of frozen pipes. When these pipes freeze, which is a common occurrence in winter, pressure builds up in the pipes, which leads to bursting of the pipes. Another cause is bursting of low-quality piping material. When you use poor quality piping material, you stand the risk of floods in your home due to leaking or pipes that eventually burst.

Preventing Frozen Pipes

There are a wide variety of tips to prevent frozen pipes in the home. You can use various approaches to thaw the frozen pipes when they freeze. One way is to let water drip from a faucet that is served by the exposed pipe. Running water through the vulnerable pipe prevents your pipes from freezing.

You can also close the valves that supply outdoor hoses. Additionally, drain all the water from the outdoor hose bibs. Don’t turn off the outside valves, let the water drain out so that any water in the pipe can expand without causing your pipe to burst. Another method is to insulate your basements, attics and crawl spaces to maintain a high temperature in these areas.

The Major Issue: Age and Condition of Plumbing

The insurer normally performs an inspection of your plumbing to determine the age and condition of the system before coming up with homeowner insurance coverage. You need to review the homeowner policy and understand what is covered. If you are to file a claim in case of water damage, the insurance cover might only consider accidental or sudden damage, for instance in case of a burst pipe. If the problem is due to pipes that are old or that have been neglected, you might end up footing the bill by yourself.

Therefore, when it comes to water damage due to plumbing regarding homeowners insurance, you are better off preventing future expenses through maintenance of your plumbing system. Yu can do this in various ways that are documented clearly on your plumber’s website. You can read it to know more about plumbing system maintenance.

Older Homes Need Regular Maintenance

If you buy an older home that you aren’t sure when the plumbing system as installed, you need to have a regular maintenance schedule. Many old homes have pipes that were installed decades ago and have been in regular use without proper maintenance. According to recent surveys, the average age of broken pipes in homes and commercial buildings is 35 years. When you have an idea of the age of your pipes, you get an insight regarding the need for repair or replacement.

The Quality of Installation

While age is a huge factor when it comes to plumbing, another vital factor is the quality of work of the installer of the plumbing system. If your home has high-quality plumbing systems installed properly, then it will withstand regular use. However, when there is a problem with the installation of any component, problems might be substantial.

Most plumbing systems are hidden behind the walls, making it difficult to identify an underlying problem. Even the smallest of leaks in a system can lead to huge water damage when ignored for long. If you live in a storied home, the risk of water damage doubles. This is because a small leak in the bathroom on the second story can lead to water damage on the lower floor.

If the plumbing system is aged and outdated, a professional plumber can perform repairs on the system by replacing worn out pipes and faucets. If the entire system is in a state of disrepair, the plumber might have to replace everything.

The Sewer Line

If the sewer line experiences sudden and unexpected damage, your homeowner’s insurance might cover it. However, if it is as a result of a chronic issue or due to backup, you might have to repair or pay for the costs out of pocket. Get a professional plumber to determine the age of the sewer line.


Your homeowner’s insurance covers some aspects of water damage due to plumbing disasters. However, you need to understand what the policy covers and what it doesn’t. Talk to your insurer to get more insight into this aspect of your policy.