Is a burst pipe covered?
Usually, when it is sudden. Washington's insurance commissioner lists a burst supply line and frozen pipes, when the home was heated, as examples of sudden water damage most policies cover (Washington OIC). Slow leaks and damage that develops over more than a couple of days often are not.
General information
This page explains how homeowners insurance generally works, using state insurance regulators' guides. Your policy wording controls. Call your insurer or agent about your claim.
Does insurance pay to fix the pipe itself?
Often not. Policies commonly pay for the water damage the burst caused, and for tearing out and replacing the wall to reach the pipe, but not for the failed pipe. Check your policy wording.
What about the line from the street?
Georgia Consumer Ed says the water utility is responsible for the water line at the street, and the homeowner is responsible for the line from there to the house, which many homeowners policies do not cover (Georgia Consumer Ed).
What should I do first?
Shut off the main, photograph everything and start drying. Georgia's insurance commissioner says to make reasonable repairs to prevent further damage and keep receipts (Georgia OCI). See how to find your main shut-off.
Common questions
Is a frozen pipe covered if the house was empty?
Policies often exclude freeze damage when the home was not heated or the water was not shut off. Read the freezing section of your policy.
Are older homes more likely to have pipe problems?
IBHS research cited by Connecticut's insurance department found homes 30 years old were three times as likely to have plumbing supply problems.
Should I call a plumber or restoration company first?
Shut off the water first. Then the plumber stops the leak and a restoration company dries the house.
Related guides
Sources
- Washington Office of the Insurance Commissioner: leaks, water damage and mold
- Georgia Consumer Ed: do I need insurance against damage to my water pipes?
- Georgia Office of Insurance and Safety Fire Commissioner: Insurance Before and After a Disaster
- Connecticut Insurance Department: preventing water damage (IBHS study facts)
Last reviewed November 13, 2026. This guide is general information, not legal, insurance or medical advice.