By chance, the emergency will homeowners insurance cover vital repairs or plumbing. What I discovered was – Yes, they should be covered, but as others have said make sure the repair is more than the deductible otherwise receive a "mark" on your record, but still have to pay out of pocket. Depending on the damage that your rate will probably go up as well. We have learned the hard way a few years ago when we called asking about coverage plumbing. No end to complain because it was less than our deductible but when the time to renew our policy that increased the rate reached 50%. Insurance is a scam. . But you have to have for the mortgage.
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