Does Home Insurance Cover Blocked Drains? An Expert Guide

When something goes wrong in your home, you want to know that your home insurance has you covered. One of the most common problems is blocked drains, which can quickly become a very costly problem if not dealt with quickly. So, does home insurance cover blocked drains?

The answer is not always simple and can vary depending on the nature of the blockage and how it occurs. A comprehensive home insurance policy should provide coverage for at least some causes of blocked pipes and drains, although it may require an additional rider or extra coverage to be added to the policy to receive full coverage.

In this expert guide, we will discuss what types of drain blockages are typically covered by home insurance policies and what type of coverage you should look for when purchasing a policy. We will also provide advice on how to prevent drainage issues in the first place and what steps you should take if a blockage does occur.

Common Causes of Blocked Drains

Blocked drains are incredibly common and can be caused by a variety of factors. The most common causes include:

– Grease, fat, and other food particles that have built up over time in the drainage pipes

– Leaves, twigs, and other debris from the garden that have been washed away into the drain

– Tree roots that have grown into or around the drain pipe

– Foreign objects such as toys, hairbrush handles, and more that have been flushed down the toilet

Sediment build-up from washing detergents and other products that have been rinsed down the sink

A combination of these factors

Whatever the cause of your blockage, it is important to seek professional help as soon as possible to prevent any long-term damage or health risks. Calling a local drainage expert will help to assess the cause of your blocked drain quickly and efficiently so you can get it fixed as soon as possible.

Do I Need a Professional Plumber for Blocked Drains?

  • When your drains are blocked, it’s not always immediately obvious why. In many cases, it can be down to something simple like a build-up of hair or soap, but sometimes an issue such as a root infestation or a collapsed pipe could be the culprit.

    In most instances, it’s recommended that you call in a professional plumber to check out the cause of the blockage and provide an appropriate solution. This is the case whether you’re attempting to fix the problem yourself or making a claim on your home insurance policy. A professional will know what kind of work needs to be done and provide an estimate of the costs involved.

    In some cases, such as when tree roots have penetrated your drainage system, a full excavation, and replacement may be necessary. This could incur hefty repair costs and so it is important to contact an expert as soon as possible to limit any further damage to your property and its services. 

Home Insurance Coverage for Blocked Drains

It’s an unfortunate truth that blocked drains are a reality that homeowners can face. But if you own home insurance, knowing what it will cover in this situation is important to determine if you need to find additional coverage.

When it comes to whether home insurance covers blocked drains, the answer is largely dependent on your policy and the type of blockage. Generally speaking, policies may provide coverage for blockages that are caused by accidental events such as tree roots or broken pipes. On the other hand, blockages caused by lack of maintenance such as fat or oil won’t be covered as they’re considered as an expected event that you should have taken action against to prevent.

If your policy does provide coverage for blocked drains, then typically it would include coverage for any costs associated with the removal, repair, or replacement of the blockage. As mentioned earlier though, this could depend on the underlying cause so make sure you check with your insurer before making any decisions.

Preventing Blockages With Regular Drain Maintenance

Regular drain maintenance is essential to keep your drains running smoothly and can prevent costly blockages. By taking a few simple steps, you can minimize the chances of a blockage occurring, reducing the need to make an insurance claim.

Professional Cleaning

One way to keep your drains healthy is to have them professionally cleaned regularly. This may be necessary for homes with older systems, or those that have had recent renovations carried out on them. The professional cleaning will also identify any potential problems in your drainage system before they become an issue.

Frequent Cleaning

In addition to professional cleaning, it is important to regularly clean and maintain your drains yourself. This involves removing any debris from the surface of the drain, as well as periodically flushing out any build-up that may be lingering in the pipes.

To ensure your drains are kept clean and free of blockages, it is also a good idea to invest in a drain snake or auger to help remove tough clogs from time to time. These tools are relatively inexpensive and can save you money in the long run by helping you avoid costly repairs or insurance claims due to clogged drains.

blocked drains

Professional Plumbing Company Services in Brisbane

If you are in Brisbane and are looking for a reliable plumbing company to help with your clogged drains, you have plenty of options available. Professional plumbers can provide services such as drain cleaning, unblocking toilets, and sinks, as well as sewer and stormwater-related repairs.

Here are some of the key benefits of using a professional plumbing service:

– Rapid Response Time – professional plumbing companies have access to the latest technology and can respond quickly to any drainage issue.

– Cost Efficiency – Plumbing companies in Brisbane use advanced tools and equipment that help to ensure that repair or maintenance work is done correctly, quickly, and cost-effectively.

– Years of Experience – Professional plumbers are knowledgeable about all types of drainage systems, so they can assess the situation quickly and provide an efficient solution for your clogged drains.

– Comprehensive Services – Most professional plumbing companies offer comprehensive services which include installation, maintenance, repairs, upgrades, and more – so you don’t have to contact multiple companies for different tasks.

By hiring a professional plumbing company for your blocked drains in Brisbane, you can rest assured that the job will be done right with minimal disruption and cost.

Helpful Tips for Keeping Your Drains Clear

Clogged drains can be a huge headache for homeowners—not to mention an expensive problem, as professional services may be needed to restore order. To save yourself time and money, there are a few tips you can follow to help keep your drains clear.

Check What’s Going Down the Drain

Owners of older homes, in particular, should be aware of what they are flushing down their drains. Avoid putting any kind of solid material down the sink or toilet that doesn’t belong there. This includes fat, grease, and oil—which will harden as they cool, potentially leading to a blockage—and household items such as cotton swabs or sanitary items which can also cause backups.

Monitor the Frequency of Draining Problems

If you do experience frequent draining issues, it’s important to have it checked out quickly—especially if you’re not sure of the cause. Frequent headaches with your plumbing could suggest deeper root causes such as broken pipes or tree roots that need removing.

Keep Your Drains Clean

You don’t have to take extreme measures such as regularly putting harsh chemicals down your drains; however, it pays off over time if you make a habit of cleaning your drains periodically with something milder like baking soda or vinegar. You should also ensure that pipes are covered properly during winter months so they don’t freeze over and become blocked.


In conclusion, knowing whether home insurance covers blocked drains or not can be a tricky question. While some insurers may cover certain types of blockages, some may not. It is always recommended to check the terms and conditions of the policy to determine what, if anything, the insurer will cover. Additionally, it is important to keep in mind that, while home insurance may provide some coverage for blocked drains, it is often a better option to invest in regular maintenance and professional plumbing services from a reputable company to avoid these issues in the first place

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