Does Home Insurance Cover Leaky old Plumbing?


Dear Insurance Adviser,

I have a question about my home insurance. Does it cover leaks from old plumbing fixtures? If so, can I still file a claim after the repair has been fixed?


Dear Dan,

Virtually all home insurance policies today cover plumbing leaks that are sudden and accidental. In other words, you’re covered for a pipe that abruptly springs a leak, as opposed to one than trickles out water over months or years.

Older policies also cover that long-term type of pipe failure, provided that you could not know about the problem until you discovered it.

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