Before you call the insurer…
Burst Pipe Water Damage Claim: Will Insurance Pay?
Burst pipes are usually covered — but only if your policy's 'unoccupied' and 'frozen pipe' clauses don't catch you out. Check yours in 60 seconds.
Your policy is the only source of truth
Get a precise answer for your exact policy
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.
What you're entitled to (usually)
'Escape of water' is one of the most claimed perils on home policies. A standard buildings + contents policy normally covers the repair of damaged structure, drying out, replacing flooring, and damaged contents — minus your excess.
The clauses that trip people up
PolicyPal sees the same three rejections on burst-pipe claims:
- Unoccupied property clause — most policies stop cover after 30–60 consecutive days unoccupied.
- Frozen-pipe exclusion if heating wasn't left on in winter (commonly 15°C minimum).
- Trace-and-access cap limiting how much the insurer pays to find the leak (often $5,000).
Should you actually claim?
Compare the repair cost against your excess plus the likely premium increase over the next 3 years. For damage under $2,000, paying privately often works out cheaper.
Frequently asked
- What's the excess on a burst pipe claim?
- Usually $100–$350 standard plus a $150–$500 'escape of water' specific excess. Both apply.
- How long do I have to report it?
- Most policies require notification 'as soon as reasonably possible' — usually within 30 days, but sooner is always safer.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.