There are quite a few things all homeowners will agree on, and one of them is that nobody likes or wants to deal with plumbing services in Eastlake. Even when there is no emergency, plumbing issues can cause a major headache, especially when they strike out of nowhere and destroy our home comfort. Whether it’s a serious plumbing mess that’s escalated in a matter of seconds, like in the case of sewage backups, or a slow-dripping hidden leak that is days in the making, it’s only then that people start wondering, “Is this covered by my insurance?”
Whether you’re looking to be prepared for the next surprise emergency or you’re dealing with a problem right now, this guide breaks down the main points you need to know about plumbing fixes and homeowners’ insurance.
What types of plumbing issues are covered by homeowners’ insurance?
In most cases, standard homeowners insurance packages include coverage for sudden and accidental plumbing damage, but not gradual wear and tear. These issues are seen as a lack of proper maintenance on your part and, as a rule, are almost never covered. So if a pipe accidentally bursts and floods your bathroom or kitchen floor, you can expect coverage. But if that pipe has been leaking for quite some time, with mold growth as a telltale sign of neglect on your part, the insurer will look to deny your claim.
The truth is that home insurance does help, but it depends on the situation, type of damage, and the way you’ve responded to the developments. As is often the case with insurance policies, things can be a bit murky, so it’s best that you get informed in advance. Here’s a quick breakdown of what’s usually covered:
Usually covered:
- Frozen pipe bursting (as long as you’ve taken the necessary precautions).
- Sudden pipe burst that results in water damage.
- Accidental appliance malfunction (sudden dishwasher or washing machine leak).
- Water damage due to local water-fighting efforts.
- Damage caused by faulty plumbing installation.
Mostly not covered
- Long-term leaks that were ignored or undetected.
- Any damage caused by poor maintenance.
- All plumbing issues that can be classified as neglect.
- Most sewer backups, unless stated otherwise.
- Mold remediation services, unless it’s due to a covered incident.
It’s important to keep in mind that almost every insurance policy is different. If you’ve heard talk that your friend or relative was able to secure coverage for certain issues, it doesn’t mean that the same will automatically apply to your household.
How to know if your claim is valid
Insurance companies are known for driving a hard bargain and looking for every excuse to avoid paying the bill. That’s why it’s crucial that you have as much documentation as possible to back up your claim. Here’s what you should do before plumbers start work on your problem:
- Act fast to stop the water at the source and prevent further damage.
- Call the plumbers ASAP.
- Take as many photos as you can before the cleanup starts.
- Keep receipts of all emergency service repairs.
- Call your insurance company to start the claim process right away.
- Ask for an official report detailing the issue from your plumbers.
Keep in mind that most insurance coverage won’t cover the actual cost of plumbing services, but the damage caused by the emergency. So if the pipe bursts and ruins your carpets or drywall, you may expect compensation for your flooring but not for the pipe itself or the emergency plumbing repair.
Which company specializes in responsive & efficient plumbing services in Eastlake, CA & beyond?
Plumbing emergencies and repairs are stressful even in best-case scenarios, and the last thing you need is a protracted tangle with your insurer. The best way to protect your peace of mind and family budget is to call professionals at San Diego Emergency Plumbing at the first sign that something is not right with your system. It’s much better to do a timely inspection of your plumbing and be safe than neglect the obvious warning signs and be sorry.
No matter where you’re located in Eastlake, East Chula Vista, or the San Diego area, we’re always ready to jump in and help in your time of need. Don’t lose a moment more, call us now!
