No, but it can cover the repair cost of overflowing sewer damage. Home insurance usually doesn’t cover general maintenance services like blocked drains, but you can include flooding sewer damage to your policy to protect against sewage backup.

Blocked drains can be a homeowner’s worst nightmare, and the sad part is that they can adversely affect your home and your health.

When blocked drains occur in your home, they can easily mess up your schedule. You need to address drain-related issues as soon as possible to prevent them from worsening.

Sometimes the plumbing problem can occur deep into the drain, which might require professional intervention. Therefore, knowing what your home insurance caters to is essential before contacting professional Sydney plumbers.

Blocked Drains and Home Insurance Cover

It should be noted that homeowner insurance policies are different, and they provide varying coverages depending on individual needs. However, some things are daily regardless of which insurance plan you purchase. These include:

Accidental damage

This generally means that your homeowner’s insurance policy will not cater to your plumbing and pipes unless the damage is accidental. However, it’s hard to establish the meaning of unintentional damage – and thus, the insurance company can reject your claim citing certain technicalities.

Maintenance issues, such as natural corrosion or ageing of drains, are not regarded as accidental but rather as the homeowner’s responsibility. But sudden damages – for example, if your pipes unexpectedly burst due to a tree excavation nearby or intrusion of a root, can be considered accidental damage.

Drains covered

As a homeowner, you’re responsible for drains that are located within your property. Your neighbours will be accountable for sections that fall under their properties. The homeowners’ insurance policy may not cover maintenance for connecting drains.

When Does Homeowner Insurance Cover Blocked Drain?

As mentioned earlier, home insurance plans provide different coverages based on individual needs. If your policy mentions blocked drains, then you’re on the safe side. Your insurance will also cover most structural damages caused by leaking pipes after clogged drains.

Similarly, home and contents insurance will cover anything damaged after a blocked drain. Note that your home insurance won’t cover services provided for the clogged drain or costs incurred when your technician repairs the blocked drain, clears the blockage or replaces the drain.

Contact Sydney’s Leading Plumbing Services

Blocked drains can damage your home if not fixed on time. But you shouldn’t entirely rely on your home insurance policy to cover these costs, especially if they are not clearly defined on your policy. Before taking insurance, you should compare all the available options and pick the one that provides comprehensive coverage for all Sydney plumbing services.

This will help you benefit financially and know what aspects of your plumbing are covered by your home insurance. Contact us for a free inspection and get a free, no-obligation quote.