does home insurance cover cast iron pipes

Does Home Insurance Cover Cast Iron Pipes?

RRBHLAWZEN Homeowners' Insurance

One of the most common questions we receive from homeowners is: does home insurance cover cast iron pipes? Some things seem obvious to the point that it’s hard to believe many people don’t think about them.  

This is the case when it comes to insurance. While we all know your homeowners’ policy covers you if someone accidentally breaks your window, many homeowners probably don’t know if their home insurance will cover leaking pipes from broken cast iron pipes! Use this article to decide where other types of coverage might be necessary for your home and get yourself insured before tragedy strikes!

What Are Cast Iron Pipes?

Cast iron pipes are made of metal that is treated with a silicone or varnish coating. They are used for water, gas, and oil pipelines, and their outside surface is generally smooth. The inside of cast iron pipes is also coated so that the metal does not rust. They have several disadvantages over other materials for pipelines. They are heavy, expensive to repair if they break, and take a long time to heat up to their operating temperature.

Does Home Insurance Cover Cast Iron Pipes?

Here are some things to keep in mind when researching whether or not your home insurance policy covers cast iron pipes: 

  • Firstly, make sure that the cast iron pipes are installed correctly – if they’re crooked or overlapping, any damage might not be covered under your home insurance policy. 
  • Secondly, make sure that the cast iron pipes are in good condition. If they’re rusty or have any other issues, they may not be covered under your home insurance policy. 
  • Finally, check with your home insurance company to see if they have specific coverage for cast iron pipes. Many companies offer specific coverage for this type of pipe, so it’s worth checking with them to see if yours does.

Why Would Cast Iron Pipes Plumbing System Replacement be Covered Under my Homeowner’s Insurance Policy?

  • First and foremost, it is important to determine if your home was built before 1978. Before 1978, cast iron piping was not typically used in home plumbing systems, and many policies do not cover them.
  • Secondly, make sure that your home is properly insulated. Cast iron piping systems can be hot in cold climates, leading to damage if the insulation is not up to standards.
  • And finally, make sure that you have notified your insurer in advance about any planned repairs or replacements on your home’s plumbing system. This will help ensure that your policy covers the cost of any such work.

My House was Built Before 1975, has a Cast-Iron Pipe Plumbing System, and my Insurance Company Denied my Claim. What Should I do now?

It is not surprising that your insurer does not want to pay this claim, and they’ll have come up with a reason to deny it. But the law is the law, a contract is a contract, and you should fight for your rights. 

If you have documents showing your house was built before 1975, or if you have a cast iron piping system, you have a strong argument that your plumbing system is old-fashioned and unsafe. Contact an attorney to see if you can get your claim approved.

How Much Coverage is Included with Home Insurance?

Different home insurance companies will insure different items in your home. However, all carriers typically include cast iron pipes and plumbing as their standard homeowners’ coverage. Some exclusions may apply, but most policies provide coverage for your cast iron pipes. Cast iron pipe damage can result in a loss of water, gas, or heat from the system. In most cases, repairing or replacing the damaged pipe is the best option.

Talk With an Experienced Miami Lawyer Today for Home Insurance Cover Cast Iron Pipes

You may be able to find coverage through your homeowner’s insurance, but it may not be enough to cover the full cost of damages. Talk with an experienced Miami lawyer today to find out if your home insurance covers cast iron pipes and any other steps you may need to take to protect your property. At RRBH Law, we can help provide critical advice about your legal options. Contact us today at 305-800-4663 to get started!