Plumbing Coverage


We cover your interior plumbing that moves water throughout your home to and from tubs, showers, sinks, toilets, and appliances such as water heaters. Our coverage works for supply, drain, vent, and waste lines. Please note that we only service water lines. If you have an issue with your gas lines, please call you gas utility or your local fire department immediately.


We cover breaks and leaks in the water lines inside your home. The site of the leak of break must be visible from an interior access point through a wall, ceiling, crawlspace, etc. If the leak is under the concrete slab, we will not cover it, but homeowner’s insurance likely will.
This is the plumbing that connects the water supply lines to the dishwasher.
These hold water in the toilet and the toilet cannot function without them.

We DO NOT, however, cover cracks in the tank or bowl, as they are only caused by damage.

We also don’t cover toilet seats and lids, which simply break and require no tools and only a few minutes to install.
The wax ring goes between the toilet flange on the floor and the bottom of the toilet. When the toilet is installed, the wax compresses, creating a watertight seal that prevents waste or odors from leaking out of the drain line.
This releases water from the toilet tank into the bowl when the toilet is flushed.
The refill tube carries water from the fill valve into the tank.
Another type of toilet fill valve.
The flapper acts like a stopper between the tank and bowl. When the flush handle is pushed down, it opens the flapper, allowing water to flow through the flush valve.
After the toilet has been flushed, the fill valve fills the toilet tank with water again, bringing water into the tank through the refill tube.
The overflow tube keeps the toilet tank from overflowing. Once the water reaches a certain level, any excess water flows through the tube into the bowl.
Hose bibs are connection points for hoses and contain a valve to control water flow. They are often found on utility sinks and on the exterior of the home. For outdoor hose bibs, remember that we do not cover issues caused by rust or freezing, so it is still up to the homeowner to weatherproof their exterior plumbing.
This is a valve that controls the flow of water through a supply line. They are commonly found on the supply line to a toilet.
A p-trap is a section of pipe in a drain line with a bending path that retains water. The water acts as a barrier to odors and harmful gases from coming back up the drain pipe and entering the home, but it still allows waste to pass through.
This includes sink faucets, tub spouts, shower heads, and shower valves
This includes unobstructed access to a stoppage within the confines of the home via a snaking system. Plumbers use an access point called a clean-out to perform this service. If a clean-out must be installed, the installation is not included in our coverage.

Please note that camera snaking is exploratory work that is not covered. Hydro jetting, which is sometimes recommended after snaking is also not covered, because it’s a preventative maintenance measure. We’re here when you have a failure, but maintenance is always the homeowner’s responsibility.

Not Covered

These types of damage to plumbing are not covered by AFC or home warranty companies. If you have experienced these issues, you may receive assistance from your water utility or homeowner’s insurance.
We get it—people accidentally flush all sorts of things down the toilet. But we’re here for mechanical failures, not accidents. If an issue is caused by something that should not be in the lines, it will not be covered.
Prone to rust and corrosion, no plumber will recommend this piping. When home inspectors find galvanized plumbing in a home, they warn potential home buyers that they may want to replace it with something else.
Polybutylene piping is banned in many states because the pipes flake from the inside, becoming brittle and breaking easily. Plumbers and home inspectors alike will advise against leaving these pipes in place in a plumbing system.
The jets are part of the tub and not part of the plumbing system. We do, however, cover the plumbing leading to the jets.
The control panel is part of the tub and controls the jets, which are also not covered.
Water softeners are not present in every home and is a separate appliance. These appliances also deal with sediment and mineral build-up, which is something we do not cover.
A septic system is a separate system from plumbing, and Septic coverage is available from us for an additional fee.
Leak searches are exploratory work that is separate from the repair process. Also, if you believe you are experiencing a gas leak, call your local gas utility or the fire department immediately.
We cover the plumbing to and from sinks, shower enclosures, and tubs, but these items themselves only leak or break due to misuse or damage—which AFC and home warranty companies do not cover.

For the same reason, we do not cover shower base pans, or toilet lids or seats.
Leaks under the home’s concrete slab require more than just a plumber to fix, and are often covered by homeowner’s insurance.
Properly installed, a toilet flange should last as long or longer as the toilet that sits on top of it. It contains no moving parts and fails only from accidentally damage or improper installation.
Unless otherwise stated as covered, we do not cover valves because they break from wear and tear or freezing.
This valve only fails due to excess water pressure, which is an issue we do not cover. Check with your local water utility or homeowner’s insurance for help here,

Please note that we do cover some types of valves, such as hose bibs, flush valves, and fill valves—see the Covered section for more information.
Inadequate or excessive pressure is a systemic issue. If you are having issues with water pressure in your home, contact your local water utility.

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