Your bathroom is one of the areas where a homeowner’s insurance claim is most likely to occur, thanks to the presence of plumbing fixtures and pipes. The good news is that homeowners insurance typically covers water damage that stems from issues within the bathroom.
Some of the top signs that your bathroom has plumbing issues and is likely to be the site of a homeowner’s insurance claim include:
If you see any of these signs within the bathroom, call a plumbing service to determine the cause of the problem before damage occurs in your home.
In the event that damage does occur in your bathroom and you have to file a claim, there are ways to be prepared and set yourself up to have your claim approved. To be sure that your claim will be covered, there are some steps you should take:
Its important to keep your bathroom plumbing well maintained and in shape. This is part of your responsibility as a homeowner, and if you don’t keep up with this part of your obligation, your homeowners insurance company can deny your claim. Make sure you address any leaks or drips from your pipes or faucets right away, as these can be the first sign of larger issues. Keep any documentation of regular plumbing maintenance, system checks or repairs done by professionals in case you have to file a claim, as these documents will help you prove that you have kept up with the plumbing.
If you live in an older home, it’s important to make sure that the plumbing is up to date and meets the code requirements set forward in your area. Have the system checked by a professional to ensure that it is capable of handling the amount of water required by your system, particularly if parts of the system have been modernized. A qualified plumber can help you figure out which parts of your plumbing system need replacing right away, and which are likely to need replacement in the near future.
Within your bathroom, there should be a water shut off valve. This is typically found behind the toilet and used to shut off the water if the toilet starts to back up and run over. Inspect these valves regularly to make sure that they still work, haven’t rusted and do not need replacement. In the event of a flood, these valves are critical to stem the flow of water and reduce the amount of overall damage.
If damage occurs to the bathroom or any other part of your home, let Five Star Claims Adjusting help you file a homeowners insurance claim to cover the damage. To learn more about our services, click here.