Is Repiping Covered by My Homeowner’s Insurance?

The short answer is that it depends on your insurance policy and the reasons for repiping. However, most standard insurance policies cover sudden and accidental water damage—not gradual wear and tear. For example, if a pipe bursts due to freezing, then your homeowners’ insurance may cover the cost of repairs. Note that the coverage applies to the resulting damage, not whatever problem caused the pipe to burst.

Your homeowner’s insurance may cover the cost of pipe repair if a natural disaster results in pipe damage. But you may have to prove that you took precautions to protect your pipes, like insulating exposed pipes and maintaining heat inside your home.

If your pipes are several decades old and corroded, leading to water leaks and water damage over time, your homeowner’s insurance probably won’t help. That’s because insurers consider this type of damage preventable with regular maintenance. They expect homeowners to schedule regular plumbing inspections to determine the overall condition of their pipes and schedule pipe repair in a timely manner.

When Repiping Is Not Covered

Most repiping projects are required because of:

• Aging pipes
• Corrosion
• Mineral buildup
• Long-term leaks
• Poor original installation

These issues are considered maintenance problems, and homeowners insurance typically does not cover maintenance-related repairs. If your home has outdated galvanized steel or polybutylene piping that has deteriorated over time, replacing the entire system would likely be your financial responsibility.

Insurance companies expect homeowners to maintain their plumbing systems. Gradual leaks or corrosion that develop over years are generally excluded under standard policies.

What About Sewer and Water Line Coverage?

Standard homeowners policies often exclude damage to underground water and sewer lines located outside the home’s foundation. However, many insurers offer optional endorsements or add-ons that provide coverage for service line repairs. If you’re concerned about underground pipe failure, check whether your policy includes this additional protection.

How to Know What Your Policy Covers

To determine if repiping may be covered, review your homeowners insurance policy carefully. Pay attention to sections addressing:

• Covered perils
• Exclusions
• Maintenance responsibilities
• Water damage limits

You can also contact your insurance agent to clarify what is included and whether additional coverage options are available. A plumbing service that has been in the industry long enough can also review your insurance policy and help you understand what’s covered and what’s not.

Contact Mr. Rooter Plumbing Today for Repiping Service

Looking for a repipe specialist to help you replace corroded pipes? Look no further than Mr. Rooter Plumbing. Our plumbers have completed countless pipe repipes in the areas we serve. We’ve also consistently received positive feedback from satisfied customers. Contact Mr. Rooter Plumbing today to get started on your next plumbing service.