A pipe has burst or a sewer has backed up, and you need extensive repairs – plus, you'll have to file a homeowners insurance claim. As a homeowner, you might be wondering if your plumber can assist you in dealing with your insurance company for any plumbing-related claims. The answer is yes!
Plumbing systems require maintenance to function properly. Home insurance covers damage caused by sudden, accidental events. Therefore, most plumbing problems aren't covered by insurance. Your policy can cover water damage caused by bursting pipes.
Overall, it is best to make sure to call insurance, right after you call the emergency plumber, when dealing with water damage in the home. Acting swiftly to maintain your home and minimize water damage will ensure your claim is best supported.
Great Pay and Benefits: Good plumbers earn a comfortable living, whether they work for a plumbing company or as independent contractors. Many plumbers join a union, and they receive excellent benefits such as health insurance, 401(k), life insurance, and more.
General Liability:
Since plumbing work occurs on clients' properties, accidents can happen. General liability insurance safeguards your business from lawsuits in case of injury or property damage while you're on the job.
Many plumbing businesses benefit from a Business Owners' Policy (BOP), which combines these three coverages into one policy: Commercial property insurance which helps cover your business' physical location and its equipment, whether you own or lease your property.
A plumbing and HVAC maintenance plan can help to reduce the amount of overall repairs that are needed on a home. By having regular inspections and tune-ups, small malfunctions can be identified and fixed before they become larger, more expensive problems. This can save the homeowner time and money in the long run.
Plumbers are compensated for their expertise, training, and the essential nature of their work. Additionally, the costs of tools, certifications, and emergency availability contribute to the price.
Which plumbing types are insurance-friendly? Today, copper and PEX are considered the best types of pipes for residential plumbing, and your insurance provider will love you for having them. On the other hand, PVC is less favored while Galvanized is considered one of the worst types.
Slips, trips, and falls
Wet working conditions from leaks and other plumbing activities can lead to slips, trips, and falls. These accidents are common plumbing safety hazards. Keep the work area clean and dry. Use non-slip footwear.
Under most standard home insurance policies, if water damage occurs suddenly or accidentally from a source inside your home, such as a busted pipe, it will likely be covered by your homeowners insurance. If the water comes from outside your home, it will not be covered by your standard policy.
Keeping insurance money without using it for repairs can lead to several risks, including: Contract violations: If your policy or loan agreement requires repairs, failing to complete them could lead to legal or financial penalties.
Average Flat Rate
Some plumbing jobs are billed at a flat rate. As of 2025, the average plumber rates for larger repairs are typically between $500 to $800, while smaller jobs like repairing toilets, sinks, faucets, or bathtubs typically range from $125 to $350.
It just depends. Insurance policies may cover repiping if there is significant damage due to a fire or natural disaster. If there is extremely cold winter weather and your pipes freeze and then burst, your insurance policy may cover related expenses, but not always.
Most homeowner and commercial property insurance policies, in general, will cover damage from a frozen pipe that bursts.
Whether your home insurance covers plumbing leaks depends on the nature of the issue. If you experience water damage from leaky plumbing or household systems and appliances that is sudden and unexpected, then your homeowners insurance will generally cover the cost of the resulting water damage.
However, a homeowners policy won't cover slow, constant leaks or other plumbing problems resulting from neglect or improper maintenance. This also applies to backed-up sump pumps or sewage systems that have not been routinely inspected and maintained.
Roto-Rooter makes the water damage insurance process as easy as possible by working directly with your insurance company. Before we start any work or begin the water damage insurance claim, the water damage restoration professionals at Roto-Rooter will contact your insurance carrier to determine coverage.
Our Plumbing Service Tech - Residential Plumber earns top pay of up to $200,000 per year, depending on work experience. The typical work schedule for this position is Monday-Friday with some weekends…
Master Plumbers certifications and many years of experience can bring home some serious bacon. The top 10% of plumbers make $90,000-$100-000 or $48.08 an hour. 11 And in states like Alaska, California, Hawaii, New York, and Massachusetts, some plumbers make more than $100,000.
You must spend four years as a plumbing apprentice to become a journeyman, earning an average of $81,000 annually. It takes two additional years of training to become a master plumber and command an average of $102,350 annually.
Just like plumbing, haggling has been around for thousands of years and it's probably not going anywhere any time soon. If your plumber takes offense to you asking for a discount, or whether or not there are any specials/coupons available, then that's a sign you should run for the hills!
A plumbing plan illustrates the system that will bring water in and take waste back out. It typically includes water supply lines, drains, vent pipes, valves, and fixtures such as toilets and sinks.