A plumbing emergency is typically one that you can’t ignore unless you want to flood your entire house. With that said, plumbing emergencies often entail costly plumbing repair. That’s why most homeowners turn to their insurance policy to see if the cost to repair the damage can be covered by the insurance provider.
Here are some valuable insights on what to do and if your insurance covers the costs of plumbing repairs:
When does my insurance cover the costs?
This is the first question that comes into mind when dealing with annoying plumbing issues. First of all, it’s circumstantial. Depending on the severity of the issue and what triggered the plumbing problem, you may or may not get your insurance claim approved. For instance, the cost to Myrtle Beach plumbing repair a burst pipe in the middle of the night will likely be covered by your insurance provider. The same goes when a frozen pipe burst even with all the precautions of keeping your home warm is in place. Depending on your coverage, repairs and expenses may differ. Here are the common coverage options that you can choose from:
- Dwelling coverage – basically, this type of insurance coverage pays for the cost to repair damages to the structure of your homes like walls and others.
- Property coverage – this coverage option pays for the costs to repair or replace your belonging that happened to get damaged during the plumbing emergency.
- Additional living expenses coverage – if in case your home was severely damaged by flooding or any particular way the plumbing emergency dealt, this coverage option can pay for lodging fees while your home is being repaired.
When does my insurance policy not cover plumbing repair costs?
- When your plumbing has been leaking for a long time. Insurance providers are quite keen on asking questions relating to the causes of the plumbing emergency. If leaks were never fixed and were brushed aside until the problem got worse, the insurer will likely deny your claim.
- The lack of preventive maintenance will also keep you from getting a payout. Insurance providers want you to keep maintaining your plumbing and it’s probably for your best interest.
- Your home has dated plumbing. Old plumbing systems are more likely to experience issues than newer ones. That’s why insurance providers dismiss any claims when the issue sprung from old plumbing systems.
- Your sump pump caused the issue. Unlike other plumbing components, issues caused by the sump pump is not covered by common policies unless it specifically says so.
How can I prevent plumbing issues?
The best way to prevent plumbing issues at home is to hire a reliable plumber. Plumbing emergencies will be unlikely if you hire experts like MBHS Plumbing to maintain your plumbing. Periodic preventive maintenance keeps issues at bay which means you don’t really have to go through the hassle of filing for an insurance claim unless you really need to. Plumbing issues can be easily prevented. The likelihood of a plumbing emergency is low when proper maintenance is done on a regular basis.
Do you need professional plumbing services? Call MBHS Plumbing and get those repairs done fast!
Myrtle Beach, SC 29577