Does Home Insurance Cover Burst Pipes? CAN SİGORTA Home Insurance Guide

Water damage caused by burst pipes is one of the most common and costly risks homeowners face. A single burst pipe can quickly damage walls, floors, ceilings, and personal belongings—often before the issue is noticed.

At CAN SİGORTA, we believe transparency matters. Understanding what is covered, what is not covered, and how to prevent burst pipe damage helps homeowners protect their property with confidence.

Does CAN SİGORTA Home Insurance Cover Burst Pipes?

Yes. In most cases, home insurance covers damage caused by burst pipes when the incident is sudden and accidental.

Coverage typically applies in situations such as:

• Pipes bursting due to unexpected freezing

• Sudden pipe failure caused by pressure buildup

• Hidden pipe cracks that occur without warning

As long as the homeowner has taken reasonable preventive measures—for example, keeping the property adequately heated during cold weather—the resulting damage is generally covered.

How Home Insurance Covers Burst Pipe Damage

When a pipe bursts, coverage applies based strictly on physical damage to insured property. CAN SİGORTA home insurance focuses on property protection, not living expenses.

Building Coverage

Building coverage protects the structural components of the insured property. If a burst pipe causes damage to:

• Walls, ceilings, or floors

• Drywall and insulation

• Fixed installations such as kitchens, cabinets, bathrooms, or built-in units

building coverage helps cover the cost of repairs up to the policy limits.
Where applicable, mold remediation directly resulting from covered water damage may also be included.

📌 Important clarification:
Building coverage applies only to physical damage to the structure.
❌ Temporary accommodation, hotel costs, or alternative living expenses are not covered.

Other Structures Coverage

If a burst pipe damages a detached structure—such as a garage, storage room, or pool house—other structures coverage may help cover the cost of structural repairs.

Personal Property Coverage

Personal property coverage protects household contents damaged by water, including:

• Furniture

• Electronics

• Carpets and rugs

• Clothing

Claims are generally settled based on actual cash value (ACV), which accounts for depreciation. Depending on policy terms, replacement cost options may be available.

What Is Not Included in Coverage

To avoid any misunderstanding, please note:

• ❌ Loss of Use / Additional Living Expenses are NOT covered

• ❌ Temporary accommodation or rental costs are not included

• ❌ The cost of repairing or replacing the pipe itself is not covered

Only the resulting physical damage to the building and insured contents is covered, subject to policy limits and conditions.

When Is Burst Pipe Damage Not Covered?

Coverage may be denied or limited if damage results from:

• Long-term leaks caused by wear and tear

• Neglect or poor maintenance

• Failure to protect pipes during freezing conditions

• Properties that are vacant, abandoned, or under construction

How to File a Burst Pipe Claim With CAN SİGORTA

If a burst pipe occurs, take action immediately:

1. Shut off the water supply if it is safe to do so

2. Document the damage with photos or video

3. Contact CAN SİGORTA to report the claim

4. Take emergency steps to prevent further damage

5. Cooperate with the claims assessment process

6. Complete repairs using qualified professionals

Keeping invoices and documentation will support a smoother claims process.

How to Prevent Burst Pipes

CAN SİGORTA recommends:

• Regular inspection of pipes for corrosion or wear

• Immediate repair of small leaks

• Insulating exposed pipes

• Maintaining indoor temperatures above 13°C / 55°F

• Shutting off water during extended absences

• Installing leak detection systems

Prevention significantly reduces risk and unexpected costs.

Why Choose CAN SİGORTA Home Insurance?

✔ Strong building and contents coverage
✔ Clear and transparent policy wording
✔ Reliable claims handling
✔ Local expertise
✔ Coverage designed for regional conditions

Protect Your Home Before Damage Happens

Water damage can escalate fast—but the right coverage makes all the difference.

Don’t Wait for Damage — Get Your Quote Today

Coverage subject to policy terms and conditions.