Flooded House? Insurance Covers Plumbing Problems

Boy, do we love learning about flooded houses, plumbing mishaps, and insurance claims! Can you tell we are being sarcastic? Without delay, let me take you on a little journey to one of my first showings as a new Keller Williams real estate agent and my first flooded house.

Don’t Let A Flooded House Ruin Your Day.

It was a cute, little Tallahassee house in the Southwood community. Three bedrooms, two bathrooms, wooden floors, and impeccably manicured landscaping. The property was on the market for only 2 weeks before we received one of those phone calls that every Realtor dreads to receive. The master bath sprung a leak and flooded a few of the rooms! We sprung to action and connected the homeowners with a reliable local plumber and worked with the insurance agent to get the house back on the market as quickly as possible.

Major plumbing issues that develop into larger disasters are amongst the most common causes of home insurance claims. In fact, water damage claims are the second most frequent insurance claim. Furthermore, most people want to know the provisions of insurance for plumbing. The first step is to get to know the types of water damage as classified by insurance companies.

Water Damage Classifications:

  • Accidental or sudden discharge
  • Water backup or sewer backup
  • Overflow
  • Flood
  • Storm-related water damage

When it comes down to plumbing problems, most people want to know which plumping issue is covered by their insurance policy. Is it the damage caused by a leaking roof, leaking toilet, or a water leak? The following factors determine the extent to which an insurance company can intervene:

  1. Source of the damage
  2. Insurance policy type
  3. Gradual or sudden water damage

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Gradual Damage:

Most of the time, insurance companies do not cover the gradual damage. This is because it is not easy to compensate for an issue that has been in existence for a while and has recently caught your attention. For example a leak behind a wall or appliance. The following are some of the gradual damage claims that insurance companies may deny:

  • Poor history of home repairs
  • Deteriorated electrical wiring
  • Housing repipes that cause leaks
  • Sewers outside of the structure
  • A deteriorating roof that needs repair
  • Corrosion, mold, or rot
  • Damaged caused by water seeping through the interior or exterior parts of the house
  • Leaking to floors, ceilings, and walls caused by deteriorated plumbing, facets, or pipes

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Mold & Natural Disasters:

  • Some insurance companies allow mold remediation coverage. Check with your insurance provider or agent to make sure that this is the case.
  • Natural disasters that cause water damage and results in poor original insurance coverage. Some insurance companies cover such instances. For example, if a tree falls on the roof of a house and damages the water system causes roof leaks. Then a few weeks after the repair of the flooded house, the home may develop a mold-related situation.

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Tips for Insurance & Claims

  1. Make sure that you keep the records of all the repairs and maintenance checks done by licensed local plumbers over the years. In any event, the insurance company will need this paperwork if you experience any loss due to a flooded house.
  2. Before you sign the contract for any insurance coverage, make sure that you have read all the policies, exclusions, and your duties as a homeowner. This will help you save on time by giving you some insight into the claims process.
  3. Make sure to seek the aid of a reputable Tallahassee plumber to help you in conducting home repairs and annual maintenance. In fact, schedule an annual routine checkup of your home plumbing system.
  4. Select an insurance company that has the best coverage for your needs. Additionally, make sure that you inquire about any other extra coverage that you can add to your policy.
  5. Shop around for insurance.  Although the process can be daunting and time-consuming, do not buy the first policy that sounds good. Spending time selecting the best policy for you can end up saving you time and money in the long run. The last thing you want to do is buy coverage from a company that will make the claims process a bigger headache than it needs to be.

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Never Forget the Flooded House & You Better Not Either!

In conclusion, it is best to sit down with a local professional whether it is a plumber or insurance agent. Don’t wait for a flooded house to have a plumber do a courtesy check if you need something repaired. In addition, speak to a local insurance agent about what is covered on your property. It’s a great habit to update insurance policies every year in the hurricane offseason. If you have any questions or comments please do not hesitate to call our office to speak to a licensed Realtor. We will give you our honest opinion without any kind of sales pitch.

Tallahassee, FL, USA

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