Principal Adjuster/CEO
A pipe bursts claim is an insurance request you file when a water pipe suddenly ruptures and causes water damage to your property. Most standard homeowners or business property insurance policies cover sudden pipe bursts, but exclusions and claim procedures can vary. Acting quickly can make a huge difference in how your insurer responds and how much you’ll eventually be reimbursed.
1. Act Fast and Document Everything
As soon as you spot a burst pipe, turn off the main water supply and power (if it’s safe). Document the damage with clear photos and video, making sure to include affected walls, floors, ceilings, and belongings. Keep all receipts related to emergency plumbing services, water extraction, and repairs.
Tip: Good documentation is your strongest ally for a successful pipe bursts claim.
2. Notify Your Insurer Right Away
Most insurers require prompt notice after a pipe burst. Contact your insurance company as soon as possible and provide a detailed written account using your documentation. Be ready with your policy number and key details.
3. Mitigate Further Damage
Take reasonable steps to prevent further harm, such as moving at-risk belongings or covering damaged areas. Failing to do so could impact your claim approval. Review the FEMA disaster mitigation guidelines for general guidance, even if your loss isn’t federally declared.
4. Work With Adjusters and Experts
Your insurance company will likely send a claims adjuster to assess the damage. You are entitled to have your own public adjuster present as well. A public adjuster helps ensure your pipe bursts claim is accurately valued and that you don’t overlook important details. To learn more about public adjusters, visit the National Association of Public Insurance Adjusters.
Insurance typically covers:
Sudden and accidental pipe bursts
Water damage to floors, walls, and personal property
Reasonable emergency repairs
However, claims for gradual leaks, maintenance issues, or lack of heating in winter (leading to a freeze) may be denied. Read policy exclusions carefully and ask your adjuster to clarify coverage specifics for your pipe bursts claim.
Always act quickly and document everything when filing a pipe bursts claim.
Notify your insurer promptly and mitigate further damage.
Understand exclusions, gradual neglect or unresolved maintenance is often not covered.
Consider working with a public adjuster for guidance and maximum settlement.
You can appeal, provide additional documentation, or seek help from a public adjuster or legal professional.
It usually takes several weeks, depending on damage severity and how quickly documentation is provided.
Don’t let a pipe burst drain your finances or peace of mind. By following the steps in this guide and getting the right support, you can tackle your pipe bursts claim with confidence.
Reach out now, your peace of mind is just a call or email away.
Contact Your Claim Hero today at 1(833) 724-HERO (4376) or email intake@yourclaimhero.com for your free claim review. We don’t get paid unless you do that’s our promise.
