Will insurance cover your water damage?
As a plumber specializing in slab leaks and leak detection, I’ve seen many crazy situations over the years. And I’ve dealt with a lot of insurance companies. Let’s talk about some things you need to know about handling leaks and dealing with insurance claims.
First, document any signs of a leak. This could be a spinning water meter or water damage inside your home. Take photos and notes, as this evidence can be crucial for insurance claims.
Leaks can be tricky to identify. Sometimes pets or unusual warm spots on the floor can indicate a leak. If you suspect a leak, contact a professional plumber for an accurate diagnosis. They should also be able to help you find the source of the leak.
As soon as you know there is a leak, there are two steps you should take immediately.
Immediate Action: Stop the damage as soon as possible. Turning off the water supply can prevent further issues. Most insurance policies have language requiring you to prevent any additional damage to the best of your ability.
Proper Communication: When talking to your insurance company, be careful with your wording. Explain the situation accurately to avoid future complications.
Typically, insurance covers the location, testing, and access to the leak. This includes digging up dirt or tunneling under the house to access the leak. But it does not cover the cost of the actual repair itself.
The insurance company will also likely have a say in how the leak is accessed. If tunneling from outside is too expensive, other options include cutting through floors or rerouting pipes overhead. Each method has its pros and cons, depending on your home’s layout. And your insurance company is likely to have an opinion.
If you’re unsure about your coverage, call your insurance agent with hypothetical questions. This helps you understand your policy without filing a claim that could increase your premiums. Ask about your policy’s coverage for such incidents before you file a claim.
Handling slab leaks efficiently involves quick action, proper documentation, and effective communication with your insurance company. By understanding your coverage and knowing how to manage the situation, you can mitigate damage and potentially reduce repair costs.