Pipe Burst Claim

A burst pipe is a plumbing leak that causes extensive water damage. Reports suggest that in the U.S., water damage resulting from a burst pipe is the second most-filed insurance claim. Further, it is observed that approximately $10,000 is the average residential claim for a burst pipe. Drain or water pipes may burst due to mechanical damage, puncture, corrosion, faulty product, or even poor quality. 

Some common reasons why pipes burst:

  • CPVC (Chlorinated Polyvinyl Chloride) pipes were introduced in the U.S in 1959 but were found defective as there was mechanical damage and deterioration from sunlight. Subsequently, polybutylene piping was initiated in 1978 but was banned from most building codes as its performance deteriorated when exposed to chlorinated water. These problems caused both slow leaks and pipe bursting without any previous warning indication.
  • Freezing pipe damage- Water expands when frozen, exerting pressure on pipe walls, resulting in a rupture. Pipe insulation should be done for both cold and hot water pipes; otherwise they can freeze solid in winter and then burst open. This mostly happens when regions that don’t usually have a cold climate suddenly get besieged with unusually low temperatures. If pipes aren’t properly protected, they tend to freeze whenever outside temperatures drop below 20 degrees Fahrenheit.
  • High water pressure can cause problems inside any pipe, especially narrow copper ones where the oxide coating on interior pipe walls gets eroded, leaving the walls exposed.
  • Brass connector leaks in pressurized plastic piping- Zinc present in the brass alloy dissolves in low pH water, causing pores that can trigger bursts. Dezincification also weakens other fittings like the stem of a water control valve.
  • Burying plastic piping in soil containing sharp rocks or driving over piping that is not properly embedded at a safe depth can lead to puncture and leaks.
  • Other quality-related issues are over-heating or under-heating plastic piping during joint fitting and over-tightening or under-tightening metal connector parts such as hose clamps.

A burst water pipe can be the cause of great destruction in your home and send you on a long and arduous journey of a claims process to obtain a fair settlement. Water damage due to a pipe burst may spoil your flooring, cabinets, walls, furniture, electronics, clothing, confidential papers, photographs, and precious collectibles or antiques that you cherish. Mold can start growing due to dampness. Further, your home insurance might not cover the cost of repairing a burst pipe but may pay for any resulting water damage, depending on the policy’s terms. Your insurance company will send their claims adjuster to your home to complete a cursory inspection. Their objective is to settle your claim quickly at a less than equitable amount.

At times like this, you need the services of a public claims adjuster who has your best interests in mind. The state department of insurance licenses public claims adjusters and they can negotiate with the insurance company on your behalf. They have the expertise and knowledge to advise when a mold hygienist or a restoration expert is required. Commencing with proper investigations, followed documentation and interpretation of your policy clauses, public adjusters are well-informed about the required code upgrades, and they compile all the data to arrive at a final estimate to get you the highest settlement possible. 

Call us at Experienced Public Adjuster today!