If you live in an older home, repiping may be an upgrade that’s on your mind. But let’s face it, repiping your entire home is a big project–and an expensive one. We get a lot of questions from homeowners about whether or not whole-house repiping is covered by homeowner’s insurance.
The short answer is that it depends on your insurance company, individual policy, and the reasons for repiping. You can keep reading to learn more about how to know whether or not insurance will contribute to the cost of overhauling your home’s plumbing system. Then give our team a call to schedule your appointment for repiping services in Germantown, TN.
Reasons for Whole-House Repiping
There are some common concerns that can lead to the need for overhauling your entire plumbing system. These include:
- Persistent leaks
- Low water pressure across your entire home
- Pipe corrosion
- Lack of plumbing efficiency
Most of the time, whole house repiping is needed because of home age. This is something that you should expect or anticipate as the years go by. Although plumbing materials are designed to last a long time, they won’t last forever. Some piping materials need to be replaced as soon as 25 years while other materials can last for 70-80 years. As a homeowner, you have a reasonable expectation of replacing the plumbing when it ages.
Insurance Considerations
A majority of the time, homeowners insurance policies do not cover whole house repiping. Insurance policies are designed to cover unexpected problems. For example, if you have a pipe burst, then your homeowners’ insurance may cover the cost of repairs due to the water damage. The policy will not necessarily cover the cost to repair whatever plumbing problem caused the leak. It just depends.
Insurance policies may cover repiping if there is significant damage due to a fire or natural disaster. If there is extremely cold winter weather and your pipes freeze and then burst, your insurance policy may cover related expenses, but not always. You may have to prove that you took precautions to protect your pipes like investing in insulation, covering faucets, or maintaining heat inside of your home.
Steps for Proactivity
All homeowners should invest in annual plumbing inspections and maintenance. If you live in an older home, it is especially important to be proactive in taking care of your plumbing. Annual maintenance appointments are a great opportunity to identify problems early and address them before they cause major issues for your home.
You may be able to make repairs or replacements a little bit at a time instead of having to overhaul your entire plumbing system at one time. Even if you do need to have a whole house repiping completed, you’ll be able to plan ahead and prepare for the project.
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