The damage of a broken pipe within your home can cause severe repercussions. It can take an elongated amount of time and a lot of money to repair the damage. Many homeowners who have dealt with a broken pipe ask a straightforward question, “who will cover all these damages?” Finding a trusted public adjuster for broken drain lines should always be the first step in getting compensated for damages done to your home. Many homeowners assume since they have homeowner’s insurance, a check will arrive in the mail to replace and cover the damage. This isn’t the case at all. Depending on your homeowners’ insurance policy, your insurance may not cover these damages. There are a lot of reasons as to why you should speak with public adjusters about your case.
Be Careful Fixing The Pipes Yourself
Pipes that suffer damages because of your negligence, whether you tried to fix the plumbing yourself or you just merely thought you could handle the loss, will result in you not receiving a single penny. The reason is that your homeowners’ insurance policy is designed to cover you in oneself-caused damages, not at your fault. This is very important for homeowners of older homes with old pipes. These homeowners may not know of the condition of their plumbing, but not being aware of a problem does not mean the insurance has to pay for the damages. Although Florida home insurers are not allowed to refuse to issue coverage based only on the age of a home, claims can still be denied based on the age of your house and its plumbing.
Insurance Companies on Broken Pipe Coverage
Insurance companies usually consider a home or business’ plumbing to be under routine home or business owner maintenance. You are ultimately responsible for repairing or replacing any broken pipes. Most insurance policies will cover the water damage portion if it happens as the result of a burst pipe within the property. Whether or not they include the cost of replacing the pipe within the home or business depends on whether the break occurred because of “sudden and unexpected” damage or at fault of the owner. A public adjuster can assist you in this circumstance ensuring the insurance company does not try to deny or under-adjust your claim.
How Our Public Adjusters Can Help You
If the problem is not fixed in a timely manner, it will only get worse. Broken drain lines can be very stressful, can end up costing you a lot, and can take up a lot of your time. Do you need the stress of relocating if you’re already stressed because of a broken drain line? The answer is no. We don’t put any more stress than you already have.
We want to bring your life back to normal and seek full compensation for the damages endured by your property. Our team of professional public adjusters have handled an extensive amount of broken drain line cases and have succeeded beyond expectations. Please, don’t stress, contact us today.
Broken Drain Lines and Water Damage
Water Damages Information by Serafin Martinez on Scribd
Most broken drain lines end in water damage and can be hazardous for you and your family. Water damage can cause a great deal of damage to a property. Water damage is also a very common type of damage that occurs to properties. Water damage can create health hazards such as, mold. It can be lengthy and costly to fix. As public adjusters, we assist you in measuring your damages, and by speaking with your insurance companies to get you the most out of your claim.
Symptoms of Broken Drain Lines
It may be difficult to see a broken drain line because they are usually underground or behind your walls. How are you able to tell? Well, there are some symptoms that you may experience in your household that will give an indication of a broken drain line.
- Blockage and backups in the sewage such as: from your toilet, sink, and bathtub drains
- Sewer odor starts to smell
- The creation of mold
- A slow drainage system
- Having an area on your grass that is greener than other areas. That could be from a leak underground
- Cracks on your walls
- Rat infestation. They live in the sewers and can travel from the sewage to your home
If you are starting to notice these symptoms in your body, it is highly recommended to call a specialist for a consultation on the damages that have been done so that you can hire a public adjuster that can negotiate a deal with the insurers or you can contact us to help you with your situation.
What Can Happen To Your Home If You Have A Broken Drain Line
Broken drain lines not only spill out a disgusting odor, individuals exposed can face health dangers. According to the Environmental Protection Agency, indoor air pollutants levels can be 2-5 times higher than outdoor levels and much more extreme in certain cases. When broken drain lines break, it releases harmful bacteria in your home such as E. coli, salmonella, and pinworms which all cause digestive tract issues.
How To Avoid Broken Drain Lines
There are many reasons that drain lines break, whether it’s the weather itself, trees, or other environmental aspect. However, broken drain lines are most likely caused by not being able to maintain it properly and human error. To avoid a broken drain line issue, you must:
- Not flush non-bridgeable objects like toys or oils
- Get rid of metal pipes and use plastic pipes instead
- Keep track of tree roots growth
- Routinely get your plumbing inspected
In other cases, if the broken drain line is easy to fix, you can unclog the drain yourself by using the baking soda and vinegar method, the soda method, or plungers.
Statistical Information on Broken Drain Lines
- Homeowners insurance claims for water damage and freezing are accounted for 45% of claims that were filed.
- $8,861 is the average amount given to homeowners that claimed water damage and freezing.
- Most homeowners have coverage for accidental leaks and flooding from plumbing.
- 14,000 homeowners have filed water damages in a single year and about $6,965 were given to Florida homeowners alone.
Does your insurance cover broken drain line?
In most homeowner’s insurance, a broken drain line is considered an “other structure” of the home. This means that it is covered the same way as other factors in your policy. The causes that would be covered if the broken drain line is broken are:
- Lightning or fire
- Hail or windstorm
- Falling objects
- Damages that were caused by airplanes or vehicles
- A volcano erupted
Also, insurance companies can cover you if the broken drain pipe caused damaged to the drywall, paint, carpet and provide any other services you need to clean up the damage.
When is the damage not covered by your insurance?
As with most insurance, damages would not be covered by it if there is evidence that there is physical damage to the drain pipes or if there is sewage back up.
If broken drain lines happened unexpectedly and/or by accident, your insurance company may be able to give you reimbursement but if you ignore the leak or the broken pipe, the insurance company can deny your claim because they expect you to maintain your property always.
Public adjusters can help you get the most out of your insurance claims and provide an abundance of resources to ensure the job gets done.
How much would it cost to fix it yourself?
It costs about $549 on average to fix a broken drain line and it can go from $500-$1,150, depending on how the severity of the damage and other factors such as, the location of the damage, the cause of the break, and cleanup costs.
What are common drain pipe solutions?
Professional plumbers are costly depending on how severe the drain pipe is. But if you want other solutions before calling a professional, here are a few tips:
Clean the pipe underneath the sink. Put a bucket underneath the pipe, look for the cleanup plug, and lastly clean up the clear clog using a coat hanger. If there’s no plug, turn off all water lines and unscrew the pipe from under the sink. This should clear the clog.
Drain snakes are usually a good tool to drain out clog pipes. Before you attempt this, be sure to wear gloves and have a clean area to work on. Put the drain into the drain and consistently turn it slowly and once it hits debris or any other sewage, pull it out and clear the clog. Once you’re done, rinse it with water and wash the drain snake with bleach.
What causes a broken drain line?
There could be many causes associated with a broken drain line. Some could be avoided if paid more attention to.
- The life-span of the drain. clay, steel, or other material can have a 40-60-year life-span
- The roots of trees may have taken over the drain
- No maintenance performed for years on the drain
Broken drain lines can be attributed to many reasons. Some may be just mother nature, while others can be prevented. Nothing last forever.