Standard homeowners insurance policies do not cover the cost of replacing worn, aging, or deteriorated plumbing pipes, as routine maintenance and wear-and-tear are considered the homeowner's responsibility. However, standard policies will typically cover sudden and accidental water damage caused by a burst pipe (such as ruined drywall and flooring), provided the pipe failure was not due to chronic neglect or deferred maintenance. Verification: Review your specific insurance policy declarations page or speak with your claims adjuster.
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