Water Damage and Your Homeowner’s Insurance

Not surprisingly, water damage is one of the most frequent causes of home insurance claims. Not many people like having to discover what is and what isn’t covered by their home insurance policy, but that’s often the way that it goes. A pipe bursts in the basement or an appliance such as a clothes washer or dishwasher begins to leak all over the floor while you’re gone on vacation and all of a sudden you find yourself wondering if you’re covered.

For example, if a pipe were to burst in the home due to a drop in temperature and you had left the home vacant and without the heat necessary to keep the pipes from bursting, you might not be covered. They could possibly deny you due to the fact that you did not take the necessary action that would have prevented the event.

If your bathtub overflows, you should be covered, even if it’s just because you were on the phone or tending to another matter in the house and simply forgot to turn off the water.

In most cases if a major household appliance such as a washer or a dishwasher suddenly malfunctions and water spews all over the floor and causes damage, you are covered by your homeowner’s insurance. You’ll have to pay for the cost of fixing the washing machine or dishwasher yourself, but any damage caused by the water itself should be paid for by your policy.

If the cause of the damage is heavy rain and the water leaks through the roof or floods into the basement and the house itself and items inside it are damaged, you should be covered for the cost of the water damage to the interior of your home. The damage to the belongings inside your home is probably not covered, however; if the roof leak was caused by a tree limb falling on the house, then the damage to your furniture, roof, and interior should be covered to a reasonable extent.

One of the major causes of water damage to homes, however, is usually not covered. This is a flood. Unless you have an insurance policy that specifically identifies a flood as a source of damage to the home, you aren’t covered. Flood insurance needs to be purchased from the federal government and your local community should be able to give you information as to whether or not they participate in the National Flood Insurance Program.

Drying Out Water Damaged Properties

As you can imagine, drying out a home or other building that’s been submerged in water, whether it’s flood water or rain water, can be quite a daunting task. Here we’ll discuss a few different ways to begin the process.

A flood can happen in almost an instant, but drying out a home or other property can take a long time. Depending on the property you’re trying to dry out, using hot air drying techniques may damage the building, especially if it’s a historical one.

Before beginning the drying process, be sure to address the electrical hazard. Make sure all power to your home is completely off. Just because the power is off for all your neighbors, don’t assume that yours is off, too. This could be a very fatal mistake. Not only should you be careful of electrical hazards, but biological ones, as well. Flood waters such as those caused by Hurricane Katrina can be contaminated with human and animal waste, all manner of chemicals, and even cadavers. Protect your eyes, mouth, hands, and wear a respirator. Wash your hands in disinfectant soap after a session of cleaning and again before you eat.

Take pictures of the damage with a camera or if possible, videotape them. This documentation will make it easier when you begin negotiating with your insurance adjuster on what compensation you will be eligible for.

Make any repairs necessary to keep water from re-entering the home. These repairs should only be temporary while you get the majority of the building dried.

Any effort to begin drying out a home is the attic. Any wet insulation should be removed as quickly as possible; it is no longer useful, but it is heavy and holds moisture for quite a long time and will continue to cause damage to wood, metal, and drywall. If anything in the attic is soaked with water, remove it. These waterlogged items are heavy and can cause the ceilings to crack. Fresh air circulating through your home is a good way to begin and if you have any fans, turn them on once you’re confident that you can’t become electrocuted simply by walking around.

Opening the windows throughout the house (as long as it isn’t raining) will help and at this time you should begin to wash down any wooden items in the home in order to remove mud, silt, and other debris.

Protect Your Water Pipes in the Winter

People who are spending their first winter in their new home and have never owned a home before might not think about the kind of damage a burst water pipe can cause. New homeowners don’t often think about this very real problem and it can lead to some very expensive consequences.

Water pipes in the home that are not properly insulated can freeze and burst in the winter if the temperature drops to below 20 degrees. Even a crack that is only one-eighth of an inch can let out over 250 gallons of water each day and the water damage this can cause can potentially be catastrophic. Your floors, clothes, carpet, and personal items will be damaged and as the water dries up and spring returns, it will leave you with a more serious problem. This problem is mold and when water damage to your home isn’t repaired correctly or not repaired at all, it can grow in your home and make your entire family become sick over time. While most insurance policies do not cover mold, water damage is usually covered to some extent. Preventing water damage to your home that is covered can help you prevent the mold damage to your home that isn’t covered and while any kind of water damage can cause this mold to grow, but burst frozen pipes are one of the easiest things to prevent.

One of the first things that you should do during the winter is cover your indoor water pipes with insulation. Where possible, make sure warm air can get to your pipes during a deep freeze. Do this either by opening the cabinets under your kitchen and bathroom sinks or placing a space heater in the room with these pipes. If you’re going to use space heaters, be careful and don’t leave them unattended for long or where they can possibly catch things on fire. Don’t use extension cords with space heaters and keep anything that could catch fire preferably over 5 feet away or you could be facing a fire damage problem instead of water.

Disconnect any garden hoses and make sure cracks in your home’s foundation are sealed so cold air, water, and snow can’t get inside to your pipes. Keeping a small bit of water running through hot and cold water faucets can also mean the difference between a busted and an un-busted pipe.