Policy confusing? Ask Poli.
Does homeowners insurance cover a slow plumbing leak?
A pipe that bursts today and a pipe that's been dripping for months are treated very differently. Here's the wording that decides which one you have.
See your own storm deductible and exclusions in about a minute.
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What filed forms generally say
A pipe or hose that lets go all at once is the kind of water damage most policies do cover.
Water that's been seeping or dripping for weeks or months is usually not covered — even though the very same pipe would have been covered if it had burst instead.
There's often a second reason it gets turned down: damage from rot, gradual wear, or a repair that was put off.
Why your policy can still say something else
Some policies add water coverage that changes this in either direction, and how long a leak has to run before it stops counting as sudden is written differently from policy to policy.
Clauses to look for in your own document
- Water Damage endorsement
- Exclusions — Seepage or Leakage
- Wear and Tear, Deterioration, Neglect
Policies differ. Upload yours and Poli will show you the actual clause.
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More questions
PoliSays explains document wording. It is not an insurer, broker, or law firm, and nothing here is advice.