It may if accidental damage is included. The punctured pipe, the work needed to reach it and the water damage can fall under different parts of the policy.

Checking for pipes before you drill

• Use a suitable pipe and cable detector.
• Be careful directly above, below or beside taps and radiators.
• Know where the stopcock is before starting.

What should you do if you hit one?

• Stop drilling.
• Turn off the water.
• Arrange a permanent repair.
• Dry the affected area before closing the wall again.

Look at accidental damage and water damage together

Check accidental damage and escape-of-water cover. Some policies may also help with making good after the pipe has been reached.