Dealing with a burst pipe in Grove City or Columbus, Ohio? Learn what water damage is typically covered by homeowners insurance—and what’s not—from a licensed contractor you can trust.

Is Water Damage from a Burst Pipe Covered by Homeowners Insurance?

Burst & Frozen Pipe Cleanup
October 04, 2025•2 min read

Burst Pipe in Your Home? Here’s What Insurance Really Covers

A burst pipe can turn your basement into a wading pool in minutes. We’ve seen it all—from frozen lines behind drywall to sudden splits in copper pipes that soak ceilings and floors. When disaster hits, the first thing homeowners ask us is, “Is this covered by insurance?”

Let’s break it down.

Yes, Most Burst Pipes Are Covered

In Ohio, most standard homeowners insurance policies do cover water damage from a sudden pipe burst—as long as it’s not due to long-term neglect.

What’s Typically Covered:

  • Emergency water removal and dry-out

  • Damage to ceilings, walls, and flooring

  • Repairs to damaged drywall and paint

  • Replacement of ruined carpet or wood flooring

  • Mold mitigation if done quickly after the burst

You’ll still have to pay your deductible, but the bulk of restoration costs can often be handled by your insurer.

What’s Not Covered:

Here’s where things can get tricky. Your claim might be denied if:

  • The pipe froze and burst because you didn’t keep the heat on

  • The leak was slow and you ignored signs of moisture for weeks

  • It’s a known plumbing issue you never fixed

Insurance adjusters look for proof the damage was sudden and accidental—not the result of deferred maintenance. That’s why we always document the scene thoroughly and help you navigate your claim with clear photos and notes.

Don’t Wait—Take Action

Here’s what to do if a pipe bursts in your home:

  1. Shut off the main water supply to stop the flooding.

  2. Turn off the power if water is near outlets or wiring.

  3. Call a licensed contractor (like us) for emergency cleanup and repairs.

  4. File your insurance claim with documentation of the damage.

At Total Home Water Restoration, we work directly with your insurance company to ensure nothing gets missed. We’re based right here in Grove City and serve all surrounding areas—Columbus, Hilliard, Dublin, Westerville, you name it.

Real Talk from the Field

Last winter, a homeowner in Upper Arlington called us after a second-floor bathroom line froze and burst. Water ran all night. The ceiling collapsed in their kitchen. They were overwhelmed.

We walked them through the insurance claim, dried out the structure, replaced soaked drywall and cabinets, and made the kitchen good as new—all under coverage. That’s how we operate: from disaster to done right.

Questions? We’ve Got Your Back

If you’ve had a pipe burst or just want to be ready, give us a call at 380-246-1837. We’ll give you straight answers and real solutions.

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Total Home Water Restoration
4141 Hoover Rd, Grove City, OH 43123
📞 380-246-1837

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