A pipe bust on the 3rd floor of my house, i hold homeowners insurance, i be wondering if my insurer cover it?

Answers: This depends on the type of policy you have and what cause the pipe to burst. Almost all Homeowner's policies will not cover damage from dampen unless the cause is sudden and accidental, or enter the house from an opening in the dwelling that be caused by an insured peril (i.e. tree branch falls through roof during a rain/wind storm. So if the pipe bursts because it is rusted, this will not be covered since the damage did go off suddenly but occured over time. Also note that some policies do not cover for water sledge hammer, so check your policy if we suspect this might have been the produce (see link for definition of water hammer). Another concern at this time of the year is pipes freezing. You are required to ensure (either one-sidedly or by a competent person) that the heating is being maintain during the usual heating season for your area, even if you are away on time off. If the pipe that burst did so because it froze, and it is located in an area of the house i.e. usually unheated (i.e. unfinished attic), then the ruin will not be covered. Source(s): http://en.wikipedia.org/wiki/Water_hamme…
You should call them since each policy is different.
It is going to depend on the type of policy that you have. If it is an HO 3 or HO5 the pipe will not be covered but the damage that the wet caused will be covered under your policy minus your deductible. (A deductible is charged for respectively occurence and not once a year).

If the house is sitting vacant and you have not maintain the heat they will not cover the claim.
Perhaps. Depends on you coverage, the status of the house, etc, You should call your agent to see.
The standard HO3 policy WILL cover water damage from the burst pipe, but NOT the pipe or plumbing fix itself. There is one MAJOR exclusion to that - if the house have been vacant and you didn't give notice the heat on.

The good word is, the pipe itself is the cheapest part. The bad report is, if you have ONE burst pipe, you probably have more - especially if the bake has been stale in your house . You won't find out about the others until the house warm up. Source(s): agent, 21+ years
This happened to me before.

You can hold a repair person fix it immediately, and after: Yes you should file it as a claim with your homeowner's.

What usually happen is: the insurance will send a claim adjuster to verify the damage. They will NOT support how much the repair person charged - they have fixed amounts they allow for your fluke. Many policies have a deductible, so if yours does, the allowed amount will apply to your deductible. Unfortunately that would mean you are out the $$ but at smallest you met your deductible for 2007.
Most Homeowners policies will cover the resulting damage.

Here is another factor to preserve in mind for this type of situation. Depending on why the pipe burst you and your company may have subrogation (reimbursement) rights. If the item cause the damage is defective your insurance carrier will want to retain the item and hold it tested. If found to be defective they can make a claim for reimbursement to the manufacturer. They would aim both the $ they paid and your deductible. It may take a long time to verbs the subrogation claim but you may get your deductible back So if you a loss from any item (pipes, hoses, faucets, washers, toasters etc. etc.) that MAY be defective produce sure that the repair person does not take or verbs the possibly defective item.
water hurt is covered on any half decent policy. you may hold to pay for the pipe yourself which will be a minimal amount.
It should, send for your insurance company and ask them...

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