Water leaks can cause thousands of dollars in damage, but did you know that not every cost is automatically covered by your insurance? Whether you’re dealing with a burst pipe, a leaking hot water system, or mystery moisture behind the wall, it’s important to understand what your insurance will and won’t pay for.
At Drip Hunters Plumbing & Gas, we work with Perth homeowners every week who are trying to navigate this process. Here’s what you need to know before lodging a claim.
Related: Signs of Hidden Water Leak in Perth Homes
What You Can Claim
Most home and contents insurance policies in Australia cover the damage caused by a water leak, especially if it was sudden and accidental.
You may be covered for:
- Water damage to walls, ceilings, floors, and structural elements
- Damage to contents (furniture, carpet, electronics, cabinetry)
- Mould remediation, if it’s a direct result of the leak
- Drying and restoration services
- Emergency plumber call-out fees (in some cases)
- Leak location costs (if your policy includes “trace and access” cover)
Example: A pipe bursts inside your wall, damaging the plaster and flooring. Insurance may cover repairing the wall and replacing the floor, but not fixing the pipe that caused it.
What You Can’t Claim
Unfortunately, many homeowners are surprised to learn that insurance often excludes key elements of plumbing repairs.
Typically not covered:
- Repair or replacement of the leaking pipe or fitting
- Leaks from poor maintenance, wear and tear, or corrosion
- Long-term, slow leaks that weren’t reported early
- Blocked drains or root intrusions, unless covered by specific policy extras
- Upgrades or betterment (e.g. upgrading from copper to PEX piping)
If the insurer determines that the leak resulted from neglect or a known issue that wasn’t addressed, your claim may be denied.
How to Strengthen Your Claim
Here are three steps to make your insurance process smoother:
- Hire a licensed plumber to identify and document the issue
- Keep all invoices, photos, and inspection reports
- Report the incident promptly to your insurer
At Drip Hunters Plumbing & Gas, we provide detailed reports that support your claim, including photos, findings, and a breakdown of repairs.
Pro Tip: Know Your PDS
Check your insurer’s Product Disclosure Statement (PDS) for terms like:
- Escape of liquid
- Trace and access
- Accidental damage
- Exclusions
Each policy differs, so it’s important to know your specific level of cover.
Need Help With a Leak?
If you’ve had a water leak, call Drip Hunters Plumbing & Gas today on 0439 922 548. We’ll find the leak, fix it right, and help you understand what may be claimable on your insurance.
