Question 1

Does house insurance cover burst water pipes in New Zealand?

Accepted Answer

Yes, most NZ insurers cover sudden and accidental pipe bursts, including resulting water damage — but not wear and tear.

Question 2

Is gradual water damage covered by insurance?

Accepted Answer

Not usually. Gradual damage is one of the most common exclusions unless explicitly included in your policy.

Question 3

Can I claim insurance for plumbing repair work?

Accepted Answer

You can often claim the resulting damage, but not the cost of fixing the faulty pipe or appliance itself.

Question 4

Do I need a plumber’s report to make a claim?

Accepted Answer

Yes, insurers may request a licensed plumber's report to support your claim — especially for hidden or recurring issues.

What Plumbing Issues Are Covered by Insurance? – Updated for 2025

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