Short answer
- Usually yes for the water damage from a sudden burst — drywall, flooring, cabinets, drying.
- Often not for the broken pipe itself — the plumbing repair is typically your cost.
- Freeze bursts are usually covered if the home was reasonably heated or properly winterized.
- General information, not insurance advice — your policy wording decides.
What’s usually covered
- Water extraction and structural drying
- Removing and replacing wet drywall, insulation, flooring, and cabinets
- Contents damaged by the water
- Additional living expenses if the home is unlivable during repairs (check your policy’s loss-of-use coverage)
What’s often excluded
- The cost of repairing the pipe itself
- Slow leaks that went on for weeks or months
- Freeze damage in a vacant home that wasn’t heated or winterized
- Mold beyond a policy’s mold limit — see is mold covered?
Protect your claim
- Shut off the water — find your main shut-off.
- Photograph the burst and every wet area before cleanup.
- Keep the failed section of pipe.
- Start drying right away — insurers expect you to prevent further damage.
- Report the claim promptly — see the claim timeline.
Vault documents the damage, records daily moisture readings, scopes in Xactimate, and bills State Farm, USAA, Allstate, Farmers, and Bear River Mutual directly. Not sure whether to file? See should I file a claim?
Burst pipe right now?
Call (385) 250-2825 — answered live 24/7 by the Vault crew.
Burst pipe — what to do · Frozen pipe guide · Insurance claims
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Need help in Provo? See water damage restoration in Provo, with a free written estimate. Call (385) 250-2825.
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