Plumbing Insurance Claims in Calgary, AB
Standard homeowner's insurance covers sudden, accidental plumbing damage — burst pipes, appliance overflow, accidental discharge. Gradual leaks, maintenance failures, and sewer backup are typically excluded unless you have a rider. In AB, slab leak coverage varies significantly by policy — always review your water damage exclusions before filing a claim.
Typically Covered
- ✓ Burst pipes (sudden, accidental)
- ✓ Appliance overflow damage
- ✓ Water damage from accidental discharge
- ✓ Emergency plumbing repairs after covered event
Typically NOT Covered
- ✗ Gradual leaks or slow drain damage
- ✗ Sewer backup (without separate rider)
- ✗ Maintenance-related pipe failure
- ✗ Pipe repair itself (only the damage caused)
Before You File a Claim
Document all damage with photos and video immediately. Contact your insurer to open a claim and get a claim number before starting any repairs. Request that your contractor be present during the adjuster's inspection so scope and pricing can be confirmed on the spot.
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