552dd6dd50a67839d896325d78c4b204?s=96&d=mm&r=g

Written by Andy Gurczak

February 25, 2022

Residential Plumbing and Leaks Damage

Residential Plumbing and Leaks Damage Claims: Everything You Need To Know and What Insurance Will Cover?

If plumbing leaks or a broken hot water heater has damaged your home, you could look at thousands of dollars in losses. For instance, plumbing leaks or defective appliances can extensively damage carpeting, woodwork and furniture. Additionally, walls and/or ceilings may have to be repaired or replaced because of broken pipes. If you file a plumbing and leaks damage claim with your homeowners’ insurance company, will they pay the claim?

It depends. Water damage claims are one of the most frequently filed insurance claims. Burst pipes and broken washing machines are common causes of water damage. However, not all water damage claims filed by homeowners are paid by homeowner insurance companies.

Why Do Insurance Companies Deny Residential Plumbing and Leaks Damage Claims

Insurance companies write insurance policies that protect their insureds from unexpected events that damage their homes. For instance, a pipe could burst due to extremely low temperatures and damage the interior of a house. The homeowner policy should cover the cost to repair or replace the damaged parts of the house and personal property.

Consequently, the burst pipe is considered an unexpected event. However, what if there was a leak in a pipe leading to the bathtub or sink, and the leaking water damaged the ceiling and walls of the room below the bathroom? Will the homeowner insurance company deny the claim for the resulting damage?

As a matter of fact, the carrier may deny the claim for water damage because of the lack of maintenance by the homeowner. Indeed, insurance companies will deny water damage claims if they believe that the water leak took place over a long period of time.

Insurance policies require homeowners to properly maintain their property. Therefore, insurance policies exclude coverage for water damages due to the homeowner’s failure to maintain the plumbing system.

What Type of Water Damage Claims Does Homeowners Insurance Cover?

In fact, homeowners’ insurance covers damages caused by sudden and accidental events.

Therefore, if a pipe freezes in cold weather and bursts, homeowner’s insurance will cover the damages caused by the burst pipe. This includes any damage to the structure of the house. Certainly, it also includes damage to the homeowner’s personal property. In addition, the homeowner’s policy would also cover the costs of tearing down walls or ceilings to get access to the burst pipe. Moreover, the cost to repair the walls/ceilings would also be considered covered water damage. However, the insurer would not cover the cost of replacing the burst pipe.

Likewise, if a washing machine broke down and flooded the basement, the insurer would cover the damage caused by the broken washing machine.

However, the insurer would not pay to repair or replace the washing machine.

Therefore, homeowner’s insurance covers the damages caused by leaks, not the source of those leaks.

Homeowner’s Insurance Does Not Cover Flood Damage

Typically, homeowners’ insurance policies do not cover flood damages. In fact, people in flood-prone areas have to go to FEMA’s National Flood Insurance Protection Program to get that coverage.
Additionally, homeowner’s insurance does not cover damage caused by outside sewers or drains that backup.

If You Need a Public Adjuster for a Plumbing and Leaks Damage Claim Call AllCity Adjusting

We are a family-owned claims company with five decades of combined adjusting experience. As a result, if there’s one thing we understand, it’s that you need 100% of your claim value. Insurance companies undervalue your claim 8 out of 10 times. Moreover, they hire expensive adjusters to ensure they maintain a strong profit margin. Additionally, they have experienced actuaries. They create insurance agency guidelines that help their team of agents challenges your insurance claim’s validity.

Obviously, you have already gone through a tumultuous event. For this reason, get an agency that gets you more. At AllCity Adjusting we work to ensure you get 100% of your claim value. Equally important, with over 50 years of combined adjusting experience, we know insurance companies. Also, we understand where they cut corners. Moreover, we help you build a larger claim and maximize your claim value. We will get you back to normal fast. Don’t get fooled, get the company that gets you more.

If you have received a low-ball offer from the insurance company, or they are taking too long to process your claim, call us at 844.692.3587. Or, you can email us at info@allcityadhjusting.com.

free claim review

Best way to beat the insurance company is to hire AllCity Adjusting

At AllCity Adjusting we help residential and commercial clients alike get the claims support they need. Moreover, we have over 50 years of combined experience helping get our clients the max settlement time and time again. If your claim has been low balled or denied entirely we can help increase your maximum settlement. Call us today for a FREE consultation. Experience the AllCity difference.
public adjusting call support

Real Support When You Need It!

Commercial Insurance Definition

Commercial Insurance Definition

If you own commercial property, understanding the intricacies of insurance claims is crucial. Commercial insurance definition can be particularly complex, with various terms and definitions that property owners need to grasp. This piece will help you understand some important terms linked to business roofing insurance claims, so you can go through the process with confidence.

Roofing Companies that work with Insurance Claims

Roofing Companies that work with Insurance Claims

If you own property, you’re likely aware of the importance of having insurance coverage to protect your investment. Roof repairs can be costly, especially when caused by storms, fires, or water damage. This is where roofing companies specializing in insurance claims can help.

Commercial Roofing Insurance Claims: Negotiating a Fair Settlement

Commercial Roofing Insurance Claims: Negotiating a Fair Settlement

Owning a commercial property underscores the significance of safeguarding your investment. One critical aspect of this protection is having the right insurance coverage. But when unexpected events like water damage, storms, or fire harm your roof, dealing with insurance claims can become difficult.

The Standard Fire Insurance Company Claims Phone Number

The Standard Fire Insurance Company Claims Phone Number

If you’re a property owner, you understand the importance of insurance coverage to protect your investment. Filing insurance claims for flood, storm, or fire damage is crucial. This page discusses the Standard Fire Insurance Company claims phone number and property owner insurance claims.

Insurance Company Denied Claim: Which insurance company denies the most claims

Insurance Company Denied Claim: Which insurance company denies the most claims

Property owners frequently confront the terrifying prospect of rejection when submitting claims to insurance carriers. You need to know which insurance company denied claim, especially for big problems like fixing a roof after a hail storm or repairing fire damage. Identifying these companies can help you make informed decisions about your insurance coverage.

Reasonable Insurance Companies Deny Fire Claims

Reasonable Insurance Companies Deny Fire Claims

If you’re a property owner, facing a fire at your home or business is a terrible nightmare. A fire can cause severe damage to your beloved property.
During such stressful times, you naturally expect your reasonable insurance companies’ coverage to help. However, insurance companies sometimes deny fire claims. This leaves property owners feeling confused and upset.
In this article, we will explore the reasons why insurance companies deny fire claims.
Additionally, we’ll offer advice to those dealing with this tough situation.

Stay Up to Date With The Latest News & Updates

Don't Wait - Get More

Get a free 1 hour consultation on your next call. So call today and challenge the insurance company narrative on your policy claim. We can help you with all your public adjuster claims support. Let us help you get more.

public adjuster service areas background

Join Our Newsletter

Do you want to learn more about public adjusting. In this newsletter we create helpful tips and hints and you will receive notifications when we post new articles.

Follow Us

Follow us on the following social networks.

Call Us Now

AllCity Adjusting

All City Adjusting