Broken Pipe Damage, Here's What You Should Know Before Filing a Claim

Broken Pipe Damage Lawyer - Feb - Louis Law Group
Broken Pipe Damage Lawyer – Louis Law Group

Every homeowner knows that a broken pipe can damage their home. The rupture can lead to water damage and mold and mildew that can threaten your family’s health. Fortunately, many insurance companies provide coverage for damages resulting from broken pipes. It’s essential to understand exactly what your policy covers to avoid unpleasant surprises if you have to file a claim.

Covered Perils

It’s essential to understand if your policy is All Risk (Open Peril) or Named Peril. A Named Peril policy limits your coverage. A peril is the cause of the loss (such as fire, water, wind, etc.).


Insurance settlements are calculated using either replacement cost value or actual cash value. Knowing the difference and what your policy covers is essential to understanding your payout. Replacement cost coverage doesn’t factor in depreciation of the original value of your damaged items, so you’ll get the full original cash value to repair or replace any damages to the item, minus your deductible. An actual cash value policy will subtract both your deductible and depreciation.


Do you know how much your deductible is? The deductible is the amount of money you’ll pay out of pocket for repairs. Many insurance companies won’t issue your claim payout payment until they know you’ve paid your deductible.


Some types of damage may not be covered by your policy. Exclusions may include hurricanes or floods. You should know whether your insurance policy contains any exclusions. Read your policy, or call your insurance provider and ask.

Broken Pipe Damage – Now What?

If you suffer a loss because of a broken pipe, you must take appropriate measures to prevent further damage from occurring. The experienced insurance litigators at Louis Law Group will help you navigate every step of your broken pipe damage claim.

As flood damage lawyers, we want to help you get your life back on track and move forward. If you’ve filed your claim and the insurance company has denied it or limited your coverage, call us at (954) 676-4179 . We’ll take a look at your situation and help you determine the next steps you need to take to obtain a settlement.

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