Your Pipes Burst And Flood Your Basement

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 SCENARIO? Submit your real or hypothetical claim scenarios to: brian@jdchapmaninc.com