Battling Burst Pipes & Their Fallout
When pipes burst, the rush of water can cost you structural and emotional damage, along with thousands of dollars. In addition to this heartache, it many cases the insurance companies don’t cover certain burst pipe damages. Keep reading if you want to learn how to avoid this and ensure you get the most out of your insurance payout.
The reality of a burst pipe is that you may not even notice it’s happened for months until the leaks become a flood. There are certain warning signs you should look out for. Be sure to listen for the sounds of bubbling, whistling, banging or clanking when the water is turned on in your shower, faucet or flushing the toilet. If the noise is unusual, it’s time to call a plumber.
When pipes burst, the still water that collects leads to mold which has a distinct smell. Perform a sniff test whenever you flush your toilet or use your washing machine. Water damage has a very visible discoloration as well, so it’s something you could easily spot with your own eyes. Have you noticed that your water bill is way more expensive than usual? This is a tell-tale sign that something is wrong in the water works department.
If you suddenly notice a lower water pressure when showering, bathing, or using other plumbing, it probably means that a pipe has burst. Sometimes the leak is small and unnoticeable but other times it can be a sudden and jarring flood than needs immediate attention.
Most of the time, water damage needs to be sudden and accidental in order for insurance to cover the damage. A slow leaking pipe that was overlooked will probably not. Ushering in a public adjuster will help ensure that the policy language is properly evaluated. When this wet disaster strikes, follow these steps:
1) Enlist a Public Adjuster: This is the best option as they will interpret your insurance policy and find the appropriate coverage for your situation. They will fight on your behalf for every penny you deserve.
2) Have your public adjuster contact your insurance: It’s an urgent situation and the insurance company will recognize that, which is why they will recommend several local water damage remediation and restoration companies.
3) Handle the damage: The water damage remediation company will be there to address the situation by turning off the water and setting up fans to begin the drying process.
4) Remediation begins: Whatever company you hired can now begin restoring your property to its original condition, axing mold-damaged walls and fixing the burst pipe.
5) Getting the most out of your claim: The insurance company is under the assumption that you will not be negotiating and simply accepting whatever amount you might have been low-balled. It’s your Public Adjuster’s job to swoop in and get you what you deserve.
Water damage from a burst pipe is the second most-filed insurance claim in the United States. Follow this guide to ensure you maximize your compensation.