Yes—or at least these policies typically do cover at least some pipe bursts. Indeed, most homeowners insurance policies cover sudden and accidental pipe bursts. With that being said, exclusions can and sometimes do apply. If the damage resulted from poor maintenance or neglect, your claim could be denied. Coverage usually includes the cost of repairs […]
Step one is always to stop further water damage. That means shutting off the local—or better, yet main—water supply. Once the situation is under control, you can start to move forward with the claims process. You should carefully document the damage caused by the pipe burst with photos and videos. Document things before any actual […]
It depends. The time limit to file a claim depends on your insurance policy. You should always refer to the specific coverage documents for your particular policy. With that being said, it is typically 30 days or 60 days to initial a burst pipe claim. No matter the specific deadline in your policy, it is […]
As with other types of property insurance claims, a pipe burst claim could be denied for a wide range of different reasons. Here is an overview of some of the top reasons for denial: Lack of Maintenance: If the insurer determines that the pipe bursts due to poor maintenance, corrosion, or long-term leaks, they may […]
You have the right to appeal. If your claim is denied, you should request a written explanation from your insurer detailing the reason. You can appeal the decision with the help of an experienced New Orleans property damage lawyer.
Yes—or at least you can in many cases, most homeowners insurance policies include additional living expenses (ALE) coverage. That coverage can pay for temporary housing and other costs if your home is uninhabitable. For example, ALE coverage can cover hotel stays, food, and other essential expenses while repairs are underway. You should keep all receipts […]