Burst Water Pipe

[Steve S]

I'm hoping that there are people who have worked for insurance companies.

The pipe leading from my house to the street burst last week sending hundreds of gallons of water into the street. The plumbers dug another trench so that they could use a copper pipe to ensure that it'll last longer. I thought that my insurance would cover some of the cost but I was told that because it's outside of my house, our coverage doesn't include that area.

Is this true?

[PasdaBeer]

I think it depends on the plan. We have had that happen at my house, I ended up having to fix it ( wasnt expensive, but was a pain in the ass )

Also live on large property, and it broke mid way ( 200 feet from my house ) from the service valve.

[playinpearls]

yeah, it depends on the plan...it shouldn't since its all your property....but you know insurance companies...any way to mess you over and keep your dime...

hopefully if they cover it, they wont drop you afterwards..

[Thor]

Depends on the plan. The one I have only cover damages
to the house inside and household belongings therein from a
flood. I had a water heater give out once and flood my
finished basement and they paid on that.

I have had both out door septic problems, and various
plumbing issues and they were all basic home maintenance
issues. Same thing when I had a huge cherry tree come
down, I had to hire laborers out of pocket to cut it up
and an excavator to come, dig a hole and bury the huge
stump in the driveway as no waste hauler would take it, it
was too big.

[PasdaBeer]

next time chop that sucker up into some nice bass topwood : )

[MakiSupaStar]

This thread is TOTALLY not what I expected it to be about. But I would imagine that since it's coming from your house, it should be covered. Remember an insurance companies first response is to deny. That saves/makes them a lot of money when people don't refute their denial.

[Thor]

Originally Posted by Steve S

I'm hoping that there are people who have worked for insurance companies.

The pipe leading from my house to the street burst last week sending hundreds of gallons of water into the street. The plumbers dug another trench so that they could use a copper pipe to ensure that it'll last longer. I thought that my insurance would cover some of the cost but I was told that because it's outside of my house, our coverage doesn't include that area.

Is this true?

The other thing is you might want to investigate copper
vs what other materials cost. Paying 2 laborers to dig a
trench is fairly cheap. Copper is expensive.

Maki, if the break is out in the yard as opposed to IN the house, he is probably SOL.

[Phalex]

I've never had to deal with it, but I believe my insurance covers everything up to the property line.

Was the pipe that burst blue rigid plastic?? There was a class action suit concerning that stuff about the time I bought my house (11 years ago). At least that was what my Realtor told me at the time, and was a determining factor in me not purchasing a house that was perfect in every other way......

[Steve S]

Originally Posted by Phalex

Was the pipe that burst blue rigid plastic?? There was a class action suit concerning that stuff about the time I bought my house (11 years ago). At least that was what my Realtor told me at the time, and was a determining factor in me not purchasing a house that was perfect in every other way......

Yup, that's what it was. The realtor knew what kind of pipe was installed? I doubt that my realtor knew that.....

[mwm70]

Polybutylene is the pipe under the lawsuit.

[Happynoj]

Why are you paying for the pipe to be fixed if it's not on your property? Surely the state should pay if it's on their road.

[Webtroll]

Originally Posted by MakiSupaStar

This thread is TOTALLY not what I expected it to be about

Tell me about it, I was expecting a "how do I get the stench out of my carpet" type vibe. Man.

[WRBass]

Copper pipe? In this part of the country people install PVC because it lasts longer. There was only one section of copper pipe feeding my house and it went under the driveway. It broke last year. We replaced it with PVC.

[Clark Dark]

To the OP question I can only say "my" home insurance does not cover an incident like you described. I had to buy a plan from my water company to get total plumbing insurance.

[TheXym]

Originally Posted by Clark Dark

To the OP question I can only say "my" home insurance does not cover an incident like you described. I had to buy a plan from my water company to get total plumbing insurance.

It's that way up in Northeast PA as well. We've got Pennsylvania American water here.

[Chunk-O-Funk]

Originally Posted by TheXym

It's that way up in Northeast PA as well. We've got Pennsylvania American water here.

Same here.

I keep getting third party insurance offers from a company called Safety Valve that will cover any repair cost "if" it were to happen. The brochure states that "most home owners insurance policies" do not cover such a repair.

[Steve S]

Originally Posted by Happynoj

Why are you paying for the pipe to be fixed if it's not on your property? Surely the state should pay if it's on their road.

They said that the leak occured on my property and not theirs.

[Steve S]

Originally Posted by WRBass

Copper pipe? In this part of the country people install PVC because it lasts longer. There was only one section of copper pipe feeding my house and it went under the driveway. It broke last year. We replaced it with PVC.

I hope this doesn't happen to me again. We've lived in the house for 18 years so hopefully when it does break, I won't be on this planet anymore.

[XtreO]

And I thought this thread was about water pipes. How wrong I was