CoverClaro / Coverage guide
Water & Plumbing
Understand how water & plumbing questions can depend on policy language, the cause of a loss, and the facts of your situation.
Quick guide to these questions
| Situation | Possible outcome | Why |
|---|---|---|
| Burst and frozen pipes | Usually yes | If the break was sudden. Not if you left the heat off or ignored a slow leak. |
| Water heater leak | Usually yes | For the damage a sudden leak causes. Not for the water heater itself. |
| Sewer backup | Usually no | Not without a water backup endorsement added to your policy. |
| Slab leak | It depends | The damage and the tear-out often are. The pipe and slow leaks usually aren't. |
| Leak from upstairs neighbor | It depends | Your own policy usually pays first. The neighbor's insurer pays if they were negligent. |
Published guides
Burst and frozen pipes✓ Usually yes
Water heater leak✓ Usually yes
Sewer backup× Usually no
Slab leak? It depends
Leak from upstairs neighbor? It depends