Think your homeowner’s insurance has your plumbing fully covered?
Think again. At Apex Plumbing, we believe in proactive education so you’re not caught off guard when disaster strikes.
Don’t Wait to Learn What Isn’t Covered
Homeowner’s insurance can help cover many types of unexpected home damage, but when it comes to plumbing, certain issues are often excluded. If you’re relying solely on your standard policy, you might be left footing the bill for problems you assumed were covered.
Below are five common plumbing-related issues most standard homeowner’s insurance plans do not cover, along with tips on how to prevent costly surprises.
1. Flood Damage
Floods are frequent in Florida—and often financially devastating.
Whether it’s from a hurricane or storm surge, water from natural floods can destroy floors, walls, furniture, and more. Unfortunately, homeowners insurance almost never covers this type of damage.
What to do:
If you live in a flood-prone area, you’ll need a separate flood insurance policy. It’s often required by mortgage lenders and gives you vital protection against large-scale water intrusion.
2. Sewer or Sump Pump Backup
Backups from sewers or sump pumps can unleash filthy, dangerous water into your home.
Standard policies typically exclude this type of damage, and even flood insurance won’t cover it unless the flood directly caused the backup.
What to do:
Consider adding water backup coverage and a service-line endorsement to your policy. These add-ons help pay for repairs and cleanup when backups strike, especially if main lines or exterior pipes are involved.
3. Normal Wear and Tear
Over time, your pipes will age and wear out—and insurance won’t help with that.
Insurers view gradual deterioration as a maintenance issue, not an accident. This includes rusted pipes, joint corrosion, or weakened fittings.
What to do:
Stay ahead with regular plumbing inspections and maintenance. While sudden pipe bursts might be covered, long-developing issues typically aren’t. Replacing aging pipes proactively can prevent a costly emergency.
Not sure whether to repair or replace? Learn the pros and cons of both in our guide on Pipelining vs. Repiping: Which Is Best for Your Home?
4. Groundwater Seepage
Seepage from groundwater through your foundation can be subtle but destructive.
This can lead to mold, flooring damage, and structural weakening—but unfortunately, it’s excluded from standard coverage.
What to do:
Monitor your home’s foundation regularly and seal any cracks. If you suspect seepage, hire a professional immediately to inspect and repair the affected area.
5. Lack of Routine Maintenance
Insurance isn’t a substitute for taking care of your home.
Lack of proper upkeep, such as ignoring slow leaks, clogged drains, or aging pipes, can lead to damage that your insurance provider will refuse to pay for.
What to do:
Schedule routine plumbing maintenance with a trusted provider. Catching minor issues early helps you avoid expensive repairs and keeps your claims from being denied due to “owner negligence.”
How Apex Plumbing Can Help
Plumbing problems don’t have to become financial disasters. At Apex Plumbing, we help homeowners like you stay ahead of trouble with expert inspections, maintenance, and repair services.
Whether it’s a suspicious water stain or a major burst pipe, our team is equipped to solve the problem fast and prevent it from recurring.
Want to hear from a real customer?
Watch this short testimonial video to see how we’ve helped other homeowners just like you.
Your Reliable Team for Year-Round Protection
From emergency repairs to annual system checks, Apex Plumbing is your partner in keeping your plumbing system strong and efficient.
Need help now or want to stay ahead of issues?
Contact Apex Plumbing today to schedule your inspection or repair service.
