Natural gas leaks often start with a hissing noise or an unpleasant odor. They can lead to serious injuries and property damage, so it’s crucial to act quickly. Home insurance may cover gas line repairs and damage caused by gas line leaks.

Leak Repair

Clarkston, MI homeowners are responsible for maintaining and repairing all pipes on their side of the gas meter. Home insurance typically covers repairs if a covered event, such as hail, high winds, or vandalism, causes the leak. However, earthquakes and flooding are excluded from coverage.

There are additional exceptions to consider. If the gas line wasn’t installed correctly, insurance won’t cover the damage. Any negative impacts are the responsibility of the installer. Similarly, leaks aren’t covered if the line or appliance hasn’t been adequately maintained. Be sure to complete all recommended maintenance and request service if the equipment malfunctions.

Explosions

Unfortunately, natural gas may ignite before you have a chance to repair the leak, especially when the leakage occurs indoors. Home insurance generally covers explosions and fires, so the resulting damage is likely to be covered. This type of protection is less restrictive compared to coverage for leak repairs.

If you live near other buildings, a fire or explosion could damage them as well. It might also harm neighbors’ vehicles and other valuable equipment. They could demand compensation, especially if negligence was involved. Fortunately, home insurance includes liability protection that may help in this situation.

If you’re concerned about the potential consequences of gas leaks, The Ryan Insurance Agency can help you find a reliable home policy with the right types of coverage. We serve customers throughout Michigan. Contact The Ryan Insurance Agency today by calling our Clarkston, MI office at 248-403-8591.