Does homeowners insurance cover repiping?
In most cases, homeowners insurance does not cover full repiping. Insurance typically covers sudden and accidental damage, not general pipe deterioration or aging plumbing systems.
When might insurance cover part of a repipe?
Insurance may cover limited portions of a repipe if the work is directly related to a covered event, such as a sudden pipe burst that caused water damage. Coverage usually applies to damage caused by the leak, not the replacement of the entire plumbing system.
Does insurance pay for damaged walls or flooring from a repipe?
Insurance may cover water damage to walls, flooring, or other finishes if the damage resulted from a covered plumbing failure. Coverage depends on the policy and the cause of the damage.
Are slab leaks covered by insurance?
Insurance may cover damage caused by a slab leak, such as flooring or structural damage, but often does not cover the cost of replacing aging pipes. Coverage varies by policy and carrier.
Why are repipes usually not covered by insurance?
Repiping is generally considered a maintenance or system upgrade rather than a sudden loss. Insurance policies typically exclude coverage for wear and tear, corrosion, and aging plumbing materials.
Should I contact my insurance company before repiping?
Yes. Homeowners should review their policy and speak directly with their insurance provider to understand what is covered before beginning any repiping work.
