411homerepair.com

Latest Articles

Summer Time Does Not Have to be Bug Time

The joy of summer is often mixed with the dread of having to deal with bugs. It often seems that the moment summer arrives at your home and garden...

on Jun 25, 2019

Carpet Cleaning Guide: Cleaning & Removing Pet Stains from Your Carpet

Having pets in your home can be rewarding. That being said, there are things you will have to deal with regularly when it comes to housing pets....

on Jun 22, 2019

The Ultimate Guide to Self-Build Insurance: What You Need to Know

Buying a home is already expensive, and then you need to get home insurance on top of it. It is essential. But then you want to do renovations,...

on Jun 21, 2019

6 Essential Rules for Hosting an Open House That Will Lead To a Sale

Whether you are in the process of attempting to sell your home, or if you are yet to put your house on the market, you are probably hoping that it...

on Jun 21, 2019

5 Things To Know About Tuckpointing

Stone and masonry are virtually maintenance free which is great news for a homeowner, however, it isn’t completely maintenance free. Bricks...

on Jun 13, 2019

What Is Water Damage Insurance? What Are Common Claims

by Guest on Jun 11, 2019

What Is Water Damage Insurance? What Are Common Claims

 

What is water damage insurance?

Water damage insurance is a type of protection provided in most home insurance policies against sudden and accidental water damage. Water damage insurance does not cover damage resulting from the negligence or inability of the owner to maintain the house in good condition. In addition, floods usually require a separate policy, if any.

Because water damage insurance does not cover negligence, many types of water damage to real property can and should be avoided through proper maintenance. It can be something like watching raindrops from the ceiling during a rainstorm or fixing a leaking pipe under the kitchen sink before the mold becomes spilled. The main thing to remember is that in the event your property has filled up with water, simply call a professional water removal contractor right away and pump the moisture out. Rember, faliure to so so can be negligence on your part and then the insurance company will not pay for damage that you rightfully should be covered for.

Insurance claims

Water-related damages are a crucial reason for insurance claims made by a homeowner. According to the Insurance Information Institute, water was the third leading cause of claims from 2012 to 2016, with an average of $ 9,633 per claim. Water damage and frost were the second largest claim after wind and hail damage. About one out of every 50 insured households files a claim for property damage each year, caused by water damage or freezing. It is five times more likely that your home is damaged by water than to claim a theft. Water damage is seven times more common than fire.

According to a study by Disatersafety.org, there are two common types of faults in plumbing supply systems. "The first concerns frozen pipelines, which can burst because of an increase in water pressure caused by freezing water in an adjacent section of the pipeline, which accounted for 18% of all claims related to The second most common type of failure occurs when the material of the supply system fails and leads to the leakage or bursting of a pipe. one in three plumbing system in this study. "

Failures in plumbing supply systems are the leading cause of water damage claims, with 48% more losses in dollars, an average of $ 5,092 per incident after the deductible. Of these, 65% were due to a failure of the plumbing supply system material, while 18% were due to frozen pipes. Drainage system failures are another major source of claims, with $ 4,400 per incident paid in claims. Sewer backups in finished basements were also a major source of claims.

Toilet failures were the second most common cause of water damage, whether from the water supply line or the toilets back in the house, followed by water heater failures and water penetration — water in the house. Feeding lines of washing machines have been another major cause of damage.

Finally, in recent years, especially after Hurricane Sandy, water damage from external sources has also increased. Many local water damage restoration companies report that consumer awareness on how to deal with flooding has increased greatly over the last years due to these large scale hurricanes which many states fell victim to. Sometimes these external waters can damage your home and waterproofing right away and sometimes it can take years to notice the damages caused. If you want to be covered for external weather conditions, make sure that your insurance plan covers it.

To annul water damage, old houses should be checked out by licensed plumbers every five-year interval, change aging water heaters, use stainless steel braided supply lines on washing machines and have a control for closing feed lines when the machine isn’t being used. Do not operate the dishwasher or washing machine if someone is not at home.

 

As you can see, there are many ways a persons house and family can be ask risk from water related damages, so make sure you are covered.

 

Author

Guest

Guest

Most Recent Articles

Random Articles

Everything You Need to Know about Surviving with a Small Bathroom

It can take a bit of ingenuity to get the most out of your small bathroom.  This busy room may seem like it can’t spare a touch of space for a...

Kitchen / Bathrooms

Tips on Renovating Your Bathroom

While bathrooms are often one of the smallest rooms in your house, it is one of the most used and valued space in the house. Besides serving the...

Kitchen / Bathrooms

How to Give Your Master Bedroom an Instant Facelift When on a Budget

When it comes to giving your room a facelift, you can bring about stark changes in the appearance even when on a strict budget. From moving a...

Kitchen / Bathrooms

What is New in Modern Kitchens?

If your old kitchen is no longer fit for purpose then it’s a good idea to get up to speed with what’s new in kitchens so you can decide if it’s a...

Kitchen / Bathrooms

Top 3 Power Tools Every Woodworker Should Have

Woodworking machines are the fundamental gizmos required by a craftsman looking to set up a new carpentry shop. There is a miscellaneous anthology...

Tools / Woodworking

Actions

Contact Us | Submit Article | 411homerepair © 2019