In the event of a natural disaster, an earthquake or fire, as examples, homeowners insurance can be a blessing. The damage can be incredible, and cost many thousands of dollars. Thankfully, homeowners insurance can absorb most of the cost.
There are some areas that insurance will not cover, however, so it is important that you know what benefits your policy will provide. If the insurance company believes that your pipes were broken due to your negligence, they may choose to deny your claim.
Insurance Will Not Cover Gradual Leaks
Leaks are the most prevalent types of homeowners insurance claims. However, they can happen due to daily wear and tear. You have to make sure that you are keeping up with the regular maintenance of your plumbing system—addressing leaks and looking after the pipes from day to day wear and tear.
Sometimes plumbing leaks may not be apparent. When water drips from a hidden leak, over time, it can cause water damage. Insurance companies will be reluctant to pay out an insurance claim for an issue that is considered part of regular maintenance.
Insurance Provides Accidental Coverage
Simply put, insurance does not cover anything that can be prevented by a homeowner's diligence. It will, however, pay for an accident or a sudden occurrence. While this can include floods, fires, and earthquakes, coverage is not limited to natural disasters. A pipe could burst with no indication of a problem beforehand or due to a defect in manufacturing.
Whatever the case may be, if you are making a claim with your insurance company, be sure to keep a log of all maintenance work thus far. You want to demonstrate that you have been conscientious in your efforts to maintain your plumbing system. In turn, this allows you a better chance to have your claim recognized.
If you have any questions about how you can prevent wear and tear on your plumbing, be sure to contact Duran & Sons Universal Plumbing & Rooter. We serve the entire San Fernando Valley.