Plumbing Leaks Insurance Claims

As reported the U.S Environment Protection Agency (EPA), almost 10,000 gallons of water are wasted every year due to household plumbing leaks. Ten percent of homes have leaks that consume more than 90 gallons per day. Building water supply or drain pipes may leak for reasons ranging from mechanical damage, puncture, corrosion, to inferior quality products, or even poor quality. Often these kinds of ‘leaks’ go unnoticed for a long time because they do not cause any disruption in our daily lives.

Common types of plumbing leaks that occur in homes are:

  • Dripping faucets and leaking valves- Old and worn faucet washers and gaskets can break down over time and cause leaks in faucets.
  • A crack in an acrylic or fiberglass shower or bath-tub can cause splash leaks, drain leaks, and tile leaks. 
  • Running toilet- Old or frayed toilet flappers can cause leaks as these are rubber parts that can decay over time.
  • Water pipe leaks, cracks, bursts – A minute crack in a pipe can cause damage inside walls, under floors, and outdoors as the leaking is unobtrusive and goes undetected for a long time.
  • Drainpipe leaks- The hidden leaks in a home usually occur in pipes hidden behind walls. These are hard to detect and may manifest as damp spots or discoloration marks on your walls and ceilings.
  • Electrical appliances leaks – Household appliances can malfunction and cause water to accumulate inconspicuously, or in cases when the water is meant to be shut off, they cause water to run continuously.
  • Water heater leaks- Units that are more than 15 to 20 years old may corrode and start leaking. 

Even small leaks can make pipes corrode rapidly, causing considerable water damage or mold. An increase in water pressure places a lot of stress on your pipe joints, faucets, and appliance valves increasing the likelihood of a plumbing leak. When storing things in cabinets, you may unintentionally disturb water supply pipes and drains, loosening connections and causing plumbing leaks. 

If you have found a leak in your home, the first thing you should do is to stop the flow of water. However, before removing any water, you must document the damage with photographs to provide evidence for your insurance claim. Then, remove furniture, and rugs to avoid further damage, open windows to ventilate the room, use a sump pump to remove standing water, and turn off your electricity to avoid electrocution. 

Property owners should carefully read the clauses related to water damage coverage in their insurance policies. Often, policies exclude sewer drain line issues from coverage without adding specific endorsements for additional coverage. 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, old age deterioration, or rust. Insurance companies will always try to pay you as less as they can. Therefore, it is in your interest to hire a public claims adjuster who will assess the damage, prepare an estimate and other claim documentation, read the insurance policy to ascertain coverage, and negotiate with the insurance company’s claims handler.

A public claims adjuster is licensed the state department of insurance and has the technical knowledge and experience to negotiate with your insurer to obtain a fair settlement. Paying for mold and black water remediation through certified hygienists, correct dry-out procedure, restoration, and sanitization experts beside the moisture mapping, and documenting your damages, is essential to your claim. Billions of dollars are spent each year on property losses due to water damage caused plumbing issues, water leaks, etc., 

Contact Experienced Claim Adjusters today for a free review.