Is damage from leaking pipe covered under your home owners insurance?

Answer 1

I think you'd need to check your policy. I had damage from a leaking shower which spoiled the plaster, paint and carpet in the adjacent room and it was not covered by my policy.

The insurance company claimed it was a fault in the building work and would be the builder's responsibility (the house was 20 years old at the time, and well out of warranty).

It turned out that the fault was that the tile grouting had become old and porous, and it was a relatively cheap fix - we just had to live with the stained wall and carpet.

Hopefully, if your home is badly damaged by a split water pipe, your policy will cover it.

Best of luck!

:-)