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Plumbing: Most homeowners insurance policies should cover plumbing-related damage unless it is the result of negligence, a long-term leak, old pipes or a sump pump.
When a pipe suddenly springs a leak or breaks due to an accident, your first thought upon discovering the mess will probably be about whether or not your homeowners insurance will cover the damage.
Generally, your homeowners insurance policy can cover mold damage and removal if something suddenly goes wrong inside your home, such as a pipe bursting and flooding a section of your house.
An 18th-century fire insurance contract. Property insurance can be traced to the Great Fire of London, which in 1666 devoured more than 13,000 houses.The devastating effects of the fire converted the development of insurance "from a matter of convenience into one of urgency, a change of opinion reflected in Sir Christopher Wren's inclusion of a site for 'the Insurance Office' in his new plan ...
An insurance policy may or may not cover the costs associated with water damage and the process of water damage restoration. While a common cause of residential water damage is often the failure of a sump pump, many homeowner's insurance policies do not cover the associated costs without an addendum which adds to the monthly premium of the policy.
A sewer pipe is normally at neutral air pressure compared to the surrounding atmosphere.When a column of waste water flows through a pipe, it compresses air ahead of it in the system, creating a positive pressure that must be released so it does not push back on the waste stream and downstream traps, slow drainage, and induce potential clogs.