Plumbing Leaks Insurance Claims

As reported by the U.S Environment Protection Agency (EPA), almost 10,000 gallons of water are wasted every year due to household plumbing leaks. They further state that ten percent of homes have leaks that waste more than 90 gallons per day. In our regular lives, we experience that water or drain pipes may leak for various reasons like cracking, rupturing, or rusting. We tend not to take these ‘leaks’ seriously because they do not affect us adversely.

The most frequent  plumbing leaks that occur in homes are:

  • Leaking faucets – Frayed faucet washers can disintegrate over time and cause leaks in taps.
  • Bath-tub water discharge – Water can push through cracks in shower stalls or bath-tubs made of acrylic or fiberglass.
  • Running toilet- Since toilet flappers are made of rubber, over time, they start wearing out, causing water to drip continuously.
  • Water pipe leaks, cracks, bursts -A sliver of a crack in a pipe allows water to enter unobtrusively into walls and under floors, and the leaking goes unheeded.
  • Drainpipe leaks – Manifestation of damp spots on your walls and ceiling is a sure sign of a drainpipe leak which is hidden from view.
  • Electrical appliances leaks – A malfunction of a domestic appliance due to which water starts to accumulate, or instead of closing the water valve, the appliance lets water run.
  • Water heater leaks- Problems of leaking, among other issues, may arise in units that are more than 15 to 20 years old. 

Leaks cause pipes to corrode swiftly, resulting in water damage as well as mold. An increase in water pressure will surely lead to a plumbing leak. When cleaning cabinets, you may unintentionally touch water supply pipes, causing plumbing leaks. 

Stopping the water flow at the source is the most important thing to do if you have found a leak in your home, as it can allay further damage. However, you must take photographs of the problem caused by the water as evidence for your insurance claim, before removing any water. Then, shift out your furniture and carpets to avoid further damage, open windows to let the air flow freely in the room, and drain the water. Since water is a conductor of electricity, it would be wise to turn off your electricity to avoid accidents. 

You should be meticulous in reading the clauses related to water damage coverage in their insurance policies. Unless the details of drain water damage are mentioned explicitly in the endorsement, insurers find reasons to deny your claim. When you file a plumbing leak claim, the insurance company will send a claims adjuster to inspect the damage and to determine if the damage was due to negligence, wear and tear,  or rust. Insurance companies will always try to cut down your claim settlement. Therefore, you need the advice of a licensed public claims adjuster who is technically equipped and qualified in dealing with insurance companies. Arranging for mold and black water remediation through professionals, following correct procedures for drying, and documenting your damages, are vital parts of your claim. 

 To get the best settlement for your plumbing leak insurance claims, contact Experienced Public Adjusters today!