You arrive home from running errands, toting bags full of groceries & open the door to see water pouring from the ceiling of your two-story home!  Frantic, you drop everything and run upstairs to see that there is a leak coming from the guest bathroom which has now caused so much water damage that you are in tears.  Hopefully, you have homeowner’s insurance in place, but you are not sure who to call or where to start.  Naturally, you turn the water off to the home and begin to figure out what your next steps are!

Call a Plumber:

You will need to contact a plumber to get an assessment on exactly where the leak is coming from & what caused it (if possible).  While you’re waiting on the plumber to arrive, contact your insurance company to open a claim on your homeowner’s policy.  They will give you a claim number and you will need to keep that handy!  The plumber will need to send a report of their findings to your insurance adjuster so you will need to reference the claim number on all correspondences.

Call a Water Restoration Company:

If you have water damage, you will want to have a water mitigation company to get involved as well.  They specialize in cleaning the property thoroughly and removing any wet items that can potentially cause mold growth.  Most of the time, they will offer a free consultation and you can gather as much information as possible prior to hiring them to assist you.  The mitigation company will also work along with your insurance company to limit the cost that you must pay out of pocket.

Plumbing Repairs – Are They Covered?

All insurance companies are different but rarely ever is the plumbing labor or materials to make the repair covered.  However, the insurance company will typically pay for any accessing to get to that repair and usually the cost to put it all back as well.

For example:  A customer has a slab leak under their home and the plumber needs to cut concrete, remove carpet/padding and excavate dirt to get to the pipe that is broken.  The homeowner’s insurance will likely reimburse their plan holder for the cutting of concrete, excavating the dirt then burying the hole and pouring concrete.  The insurance company would not pay for the materials (pipe, connectors, etc.) or the plumbing labor to make the actual plumbing repair.

*Tip: Sometimes, having a home warranty policy in place prior to an issue; it is beneficial to cover some plumbing repairs that may not be covered by homeowner’s insurance.

Other Items Covered

If tile, carpet, drywall, or other building materials are damaged by water and the insurance company has agreed to cover the claim, they will pay to have the property restored.  So, if a water leak causes damage to the drywall which therefore had to be removed by the mitigation company, the insurance company will pay to have the drywall put back to its original state.  Additionally, homeowner’s insurance will pay for rehoming the insured if the home is not habitable while construction is being completed.

Dealing with homeowner’s insurance claims can be a hassle but you pay a premium for it!  When you need to use it, you should.  Knowing the process will make things a little easier and a lot less stressful.  If you have water damage due to an unknown cause, call a local plumber like Innovative Plumbing Pros LLC who know how to deal with insurance adjusters and insurance claims caused by plumbing fails.