The majority of household water damage is caused by a plumbing or appliance failure. Repair/remodel bills for these disasters can mount up to hundreds or even thousands of dollars. Studies say that less than 10% of residential flooding claims are the result of weather; while 30% is contributed to dishwasher, washing machines or other appliance failure; and the remaining 62% is credited to pipes bursting or some other plumbing failure.
General homeowners’ insurance policies normally only cover breaks and sudden damage. Most policies feature a maintenance clause that will exclude an damage caused by problems that could have been fixed by the policyholder.
Unfortunately, even if your policy doesn’t cover the water claim, absorbing the damages could still put your rates in jeopardy. Claims can affect future rates or renewals because you lose your “claim-free credit,” or other discounts. Multiple claims over a short span of years will most likely affect your premium.
Fortunately, your professionals at Complete Restoration, Inc. will come do a free-of-charge plumbing inspection in your home to offer simple maintenance suggestions to avoid these catastrophic leaks.
Dishwasher lines and hoses can spring a leak or blow out, often in the middle of the wash cycle, and flood your kitchen with gallons and gallons of water. Damage caused by a hose that bursts behind a dishwasher generally is covered; any deductible would apply. If the dishwasher had a slow leak for several years and it had not been repaired, or you filed a claim when the cabinets had thoroughly rotted, most likely your insurer could deny your claim. Most policy language refers to ‘sudden’ and ‘accidental’ damage.”
Never run the appliance if you’re not going to be home. If a pipe bursts, you can minimize the damage by shutting off the water at the water supply line under the sink. Prevention is key. Rubber hoses commonly are used to supply water to a dishwasher, and they deteriorate over the course of time. Rubber hose replacement with a much sturdier steel-braided hose, will most likely be one of your first CRI Professional’s suggestions.
Malfunctioning washing machine drains/hoses result in some of the most common claims filed. Most homeowners leave washing machine water supply lines turned on so when a hose busts, water can discharge at up to 500 gallons per hour, causing major damage in a short period of time. If a homeowner’s washing machine hose bursts and causes water damage, the damage generally would be covered, minus your deductible. The repair to the hose or machine would not be covered, and the insurer would most likely only cover any resulting damage caused by the hose or machine.
Inspecting washing machine hoses often, is a mandatory preventative measure. If they’re original equipment and/or more than 5 years old, they should be replaced with stronger steel-braided hoses. For added peace of mind, install an automatic shut-off valve equipped with an alarm to alert you of any hose problems. This kind of valve is approximately $100 but can save thousands of dollars to the homeowner if it detects a leak and prevents flooding.
Any kinds of toilet leaks are signs of trouble. Cracks to the tank or toilet are not common unless something hits the tank, such as a picture falling off the wall. More often than not, the supply line to the water tank develops a hole. Damage caused by the water is covered by your home insurance policy, but repairing or replacing the toilet is not. It’s relatively inexpensive and better to replace a leaky toilet than to repair it. Replace the water line with metal-braided supply line because they tend to hold up better in the long run.
Call your Complete Restoration, Inc. Professionals today at 731-423-1777 and let us help you make sure your “maintenance” is in good order!