Does a Homeowner’s Policy Cover a Flood started by a leaking pipe?

A leaking copper pipeQ: Dear Sherri, A pipe im my upstairs bathroom wall is leaking and has flooded my first floor living room and kitchen. Do I have coverage on my homeowner’s policy or do I need a flood policy?

A: Dear Swimming in Queens, Great question and one that I am often asked. Technically, what you had was NOT a flood. Therefore, your Homeowner’s policy will cover this loss as this loss would be considered “water damage.” What’s the difference? A flood is defined as “rising and overflowing body of water.” If your toilet becomes an overflowing body of water, I suggest the culprit visit a doctor. Anyway, here are a few examples of flood damage and water damage:

Water Damage

  • A broken water pipe floods your home.
  • A heavy rain soaks through the roof allowing water to damage your attic, ceiling, ect.

  • Flood Damage

  • A nearby river, bay, ocean or even a stream overflows
  • Due to heavy rain the soil can’t absorb the water quickly enough
  • The city’s water mains burst on your street

  • So if you ever have any type of water damaging your home, call your agent to find out if it is “water damage or a “flood”. Better yet, just get flood insurance and be protected either way. Wishing you and your home stays nice and dry.

    No Comments Yet.

    Leave a comment

    Petschauer is great. I never had a problem.  They always call me back. Fabulous employees who are always willing to help.
    Marty Bruno
    I have been with Petschauer Insurance for a long time. My account executive Lori Halloran is like family to me: she is always there when I need her and is very knowledgeable and understanding. I wouldn’t go anywhere else for my insurance needs.
    Vincent Falcone
    I have been with Petschauer Insurance for over twenty five years. The staff is knowledgeable and professional. Petschauer writes both my personal and commercial insurance and they provide excellent counseling. I truly trust the firm and their staff. Thank you.
    Mike Matonti
    I have worked with various individuals at Petschauer and have found each to be responsive, courteous, and thoughtful. Each year, the contact for my auto policy proactively seeks new bids and has consistently saved me money on my policy.
    Ryan Huber
    I have had the pleasure of working with various members of the Petschauer Team, both personally and professionally for 20+ years. And I couldn’t have done it without them. They go above and beyond. Heidi, Narima, Sherri and LuAnn don’t just bring to us the products they offer, they help me to understand the specifics and evaluate what makes the most sense for me, my family and my employees. I always feel I have a better understanding of an industry I have no understanding of so that I can evaluate the offerings in a smart way, cost effective way. They are proactive with renewals, allowing us the time to do our due diligence, evaluate our plans to be sure we’re properly covered and are always there to listen and help with special circumstances. Their kindness, caring and willingness to lend an ear when needed, really makes them stand apart from the rest. Heidi and her family have built a beautiful culture at Petschauer and I highly recommend them to anyone I meet.
    Jamie Stedman-Novo
    Quality attentive service is hard to find, but at Petschauer Insurance that’s what you can expect from their always friendly staff . It’s what we’ve experienced for all these many years.
    John from Forest Pork Store Inc.
    My family and I are long time personal and business clients of Petschauer Insurance. We sincerely appreciate your responsiveness and the quality of service that Petschauer provides. We have recommended your company to others because of our satisfaction with your service. We look forward to doing business with you for years to come.
    Greg Weiss
    From the first time I spoke with Lori Halloran at Petschauer Insurance, I knew she was a special person. She is a woman that conducts herself professionally, with compassion and full knowledge of all types of insurance Petschauer has to offer. While speaking with her, as she explained and answered all of my questions, I felt like I was speaking with family…which is another way to describe this company. She has a way of making very confusing decisions so simple and easy to understand. I even added another insurance policy to my two renewal policies because of her. My last renewals could have been processed via mail but I really wanted to take the time to drive and meet this wonderful woman face to face. She greeted me with this huge beautiful smile, which matched her personality perfectly. So, I just had to go back another time just to say “Hi” and bring her flowers in appreciation for all her help and also celebrate a new friendship. The Petschauer “Family” has been there for me since my first policy when I was 19 years old, and now I’m a “senior”. I’ve been with them forever and don’t plan on going anywhere else. Thank you Lori for your dedication and to the rest of the Petschauer staff.
    Jane Deitlein
    My company has called on Petschauer Insurance for many years for its insurance needs: liability, liquor, auto, etc. Working with Erwin and his team has been a pleasure from beginning to present. They are quick to answer any question and provide sound advice. I have always felt that my and our needs are important to them, in theory and practice. They go the extra mile, and we continue to be well served.
    Stephen Kennard from Canard Inc.
    Excellence in customer service and it’s a one stop shop for all my insurance needs.
    Tom Haines