A municipal pipe breaks and floods my house, am I covered? It is a frequent occurrence for a street to flood due to a water pipe breakage. It may even take several hours to resolve while the water freely flows and floods everything in its path. When witnessing events of this nature, many homeowners wonder who is responsible if their house floods due to one of these malfunctions.
Although damages caused by a street pipe breakage are the responsibility of the respective municipality, homeowner’s insurance typically covers damages caused by unforeseen events, provided that the origin is not due to the homeowner’s negligence.
Therefore, it is possible that your homeowner’s insurance covers the costs of repairs for structural damages, the loss of furniture and belongings, as well as expenses related to restoring your home to its previous condition.
To do so, you will need to file a claim and follow the steps indicated by your insurance company. You should document the damages and gather any evidence that demonstrates the origin of the incident.
While typical homeowner’s insurance does not cover floods caused by natural causes such as hurricanes, river overflow, or rising sea levels, events resulting from accidents are usually covered. To clarify any doubts, it is best to refer to the wording of your contract or speak with your insurance agent regarding any specific concerns you may have.
If you wish to protect your most valuable asset with affordable home insurance, call Univista Insurance, and you will obtain the policy that best suits your needs. A municipal pipe breaks and floods my house, am I covered?
Call us today for a complete qualification! (305) 267-7138. You can also get a free quote here.
