Does Homeowners Insurance Cover Repipes
Homeowners insurance typically does not cover the cost of a full whole house repipe due to age, wear, or corrosion. Insurance policies are designed to cover sudden and accidental damage, not long term pipe deterioration.
What Insurance Usually Covers
While a full repipe is rarely covered, insurance may cover damage caused by a plumbing failure under certain conditions.
- Water damage from a sudden pipe burst
- Damage to walls, floors, or cabinets caused by a leak
- Emergency mitigation related to an active leak
What Insurance Usually Does Not Cover
Most insurance policies exclude coverage for plumbing systems that fail due to age, corrosion, or gradual wear.
- Replacing old or deteriorated pipes
- Preventive repiping projects
- Leaks caused by long term pipe corrosion
Slab Leaks and Insurance Coverage
Insurance may cover access and restoration costs related to a slab leak, such as breaking concrete or repairing flooring, but it usually does not cover replacing the failed pipe itself.
- Concrete access and flooring removal may be covered
- Pipe replacement under the slab is often excluded
- Coverage varies by policy and carrier
Why Insurance Companies Recommend Repiping
If multiple leaks occur, insurance carriers may recommend repiping to prevent future claims. In some cases, repeated claims can lead to higher premiums or policy non renewal.
How to Determine Your Coverage
Reviewing your policy and speaking directly with your insurance provider is the best way to understand what is covered. A professional plumbing inspection can also help document the condition of the piping system.
When Repiping Is the Best Long Term Option
Even when insurance does not cover the cost, repiping can prevent ongoing water damage, repeated repairs, and future insurance issues.
