Plumbing issues can cause significant damage to your home if not addressed quickly. In New Zealand, it’s important to understand what plumbing issues your insurance will cover, as policies often vary. This guide will clarify common plumbing issues that could be covered by insurance and what exclusions might apply.
Understanding Plumbing Issues Covered by Insurance
Common Plumbing Issues Often Covered
In New Zealand, insurance providers typically cover plumbing issues caused by sudden or accidental events. Here are some common examples of plumbing problems that are usually covered under standard home insurance policies:
- Burst Pipes
A burst pipe can cause significant water damage to your property. Most New Zealand insurers will cover the cost of repairing water damage resulting from a burst pipe, provided the cause wasn’t due to gradual wear and tear or poor maintenance. - Water Damage
Water damage caused by unforeseen plumbing failures, such as leaks from hidden pipes, is often covered by insurance. However, the key here is that the damage must be sudden and unexpected, not something that has been developing over time. - Flooding from Plumbing Malfunctions
If your washing machine or dishwasher malfunctions and causes flooding, most insurance policies will cover the resulting water damage. However, repairs to the actual appliance are often excluded from the coverage.
Exclusions and Limitations to Coverage
While some plumbing issues are covered, there are also several exclusions to be aware of in your home insurance policy. These include:
Gradual Deterioration
Insurance providers in New Zealand often exclude coverage for damage caused by gradual deterioration. If plumbing issues arise due to wear and tear, rust, or long-term neglect, your claim may be denied. This means it’s essential to perform regular maintenance on your plumbing system to avoid problems that aren’t covered by insurance.
Pre-existing Plumbing Issues
Insurance policies generally won’t cover problems that existed before you purchased your home or took out the insurance. It’s important to inspect the plumbing when buying a house to identify any potential issues. Assist Trade Services are registered Master Plumbers and can provide detailed plumbing inspections. Get in touch with us to find out more.
Poor Maintenance or Faulty Installation
If a plumbing issue arises due to poor maintenance or faulty installation, the insurance company may reject the claim. Regular inspections and using Master Plumbers such as Assist Trade Services for repairs and installations can help prevent this.
How to Ensure You’re Covered
Regular Maintenance
To ensure your plumbing issues are covered, it’s essential to keep up with regular maintenance. Insurers expect homeowners to maintain their property to a reasonable standard. You can prevent many common problems, such as blocked drains and leaking pipes, by scheduling routine inspections and repairs by a qualified plumber.
Review Your Insurance Policy
Not all home insurance policies are the same, so it’s essential to review your policy carefully. Look for specific wording related to water damage, plumbing issues, and exclusions. You may also want to consider additional coverage options if your home is prone to plumbing-related risks, such as flood-prone areas or older homes.
Act Quickly
If you notice any plumbing problems, address them immediately. The longer you wait, the more likely the damage will be classified as “gradual” by your insurance provider. Keep records of any repairs or maintenance work you’ve completed, as this can help support your claim in the event of an issue.
Conclusion
In New Zealand, home insurance policies typically cover sudden and unexpected plumbing issues, such as burst pipes or water damage caused by appliance malfunctions. However, exclusions often apply to gradual wear and tear, poor maintenance, or pre-existing conditions. By keeping up with regular plumbing maintenance and understanding the specifics of your insurance policy, you can protect your home from unexpected plumbing problems.
If you think you may have a plumbing issue that could affect your insurance, then get Assist Trade Services to review it first. Get in touch with us to book a site visit and avoid any un-necessary expense or worse finding out your policy has been voided.
