Repair Broken Pipes Quickly or Pay the Price

Pipes

Pipes direct all kinds of fluid or gas from one place to another – water, sewage, steam, and oil just to name a few. Water pipes and drainage pipes are the most common types of pipes found in a city. Running underground and within households in a complex maze, they are used to supply water to homes and buildings and to direct the drainage from these structures to the city’s main sewage tunnels.

Broken Pipe Disasters

Numerous news stories detail the environmental damages caused by sewage from broken pipes. When the Edgewater Hotel’s 8-inch sewage pipe ruptured in Seattle, it discharged thousands of gallons of a mixture of laundry and toilet water into Elliot Bay. In Hillsborough County, a break in a 20-inch pipeline spilled 200,000 gallons of sewage into a Sweetwater creek before it was repaired two hours later. All over the world oil spills from broken pipes have caused significant environmental destruction and loss of animal life that has angered residents and environmentalists alike.

 Broken Water Pipes

Broken Water PipeWater from broken pipes has affected numerous people as well. In fact, 1 out of 3 Americans will expect to experience water damage within their lifetime, and a large number of these water damages will be due to broken pipes. In one news story, residents of a condominium complex spent a sleepless night sopping up water when a damaged water pipe from one lone condo caused water to overflow to the rest of the condominiums. In another, 126 touchscreen units used during voting were permanently damaged from a broken overhead water pipe easily costing a city $630,000 in losses for less than an hour’s water flow.

Insurance Coverage

Broken pipes starting from the water meter, running throughout the house, are the direct responsibility of the homeowner, whereas pipes that leak, starting from the meter pit to the street and beyond are the responsibility of the Water Service Authority. A home owner’s standard insurance policy or flood insurance policy may cover the resulting
water damage restoration, depending on the cause of the faulty pipe.

Homeowners Insurance

Most damages caused by broken pipes such as restoring floors and walls that were damaged or replacing a carpet or furniture will be covered by home insurance companies. Any water damage sustained from a water accident is covered by home insurance, but there’s no coverage for damages that result from poor maintenance. Your homeowner insurance will not cover the cost of repairing a broken pipe.

Floods

Flood insurance covers water damages related to floods. Generally, broken pipes are not covered by flood insurance unless a flood caused the fault. Floods, as defined by the National Flood Insurance Program, are unnatural water incidents that partially or completely deluge two or more households or two or more acres of normally dry land in water.

 Proof of Damage

Wherever a homeowner claims for insurance coverage, to start the claim you need proof of damage. It can be a stressful task organizing and documenting items once any water damage strikes. Homeowners are advised to take and keep photos and videos of all damage, which can be used as proof of damage for insurance companies.

The Claim Process

It is also essential for homeowners to inform their insurance companies of the accident as soon as possible so their claims can be processed immediately. It’s important to have water damage cleaned up as quickly as possible. The quickness of an insurance company’s response to an insurance claim will also depend on the home owner’s ability to submit all required documents as soon as possible.

 

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