Your pipes burst in the middle of the night — water is everywhere. Is it covered?

In this episode, Bruce and Brian Chapman of JD Chapman Insurance Agency break down exactly how a homeowner's policy responds to a burst pipe, what the insurance company will and won't pay for, and the one mistake that could get your entire claim denied.

🔑 What we cover:
What a standard homeowner's policy covers when a pipe bursts
Why the pipe itself isn't covered — but why that usually doesn't matter
The negligence trap: what happens if you turned your heat off before leaving town
A real-life $1 million+ claim and why it was covered
Simple prevention tips to keep your pipes from bursting in the first place
💧 Pro tip: Keep a slow trickle running through your faucets during extreme cold — it could save you a massive claim.
Have a claim question or scenario you want us to break down? Email Brian directly: [email protected]
📞 JD Chapman Insurance Agency
🌐 jdchapmaninc.com
📱 (315) 986-4062

This podcast provides general information only and does not offer or bind insurance coverage. Coverage decisions depend on the specifics of each case.

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