When a water pipe breaks in your home or business, the damage can be substantial. Depending on which pipes break, there can be significant flooding; you may see damage to walls, floors, and your belongings, stock, or office furnishings. Electronics in particular are often ruined during any kind of flooding. While you often think of water coming through fluorescent lights, or flooding basements, there are many other types of pipe breaks which cause damage. These include:
- Underground leaks
- Leaks in the ceiling
- Leaks in the walls
These are particularly damaging, as you often don’t notice the leak itself until significant damage has been done.
What causes pipe breaks in Florida?
In colder areas of the country, the most common reason for pipe breaks or bursts is extreme cold weather, so why does Florida still suffer from pipe breaks? There are a few reasons.
- Pinhole leaks in copper piping. Florida is plagued by pinhole leaks through aging piping. Pinhole leaks occur when corrosion inside a copper pipe breaks through to the outside of the pipe. Since the amount of water leaking is small compared to a total break, it can be difficult to notice a leak has occurred.
- Strong water flow. In situations where the overall water system is badly flooded, such as during a hurricane, pipes can be subjected to such incredible pressure that they burst. When water recedes and water service is restored, pipes can show significant leakage, causing additional damage. This can also happen when a pipe becomes significantly clogged due to household buildup, a clogged toilet, or other backup issue.
- Older piping. Water mains throughout the country are, on average, more than 47 years old. Copper piping within homes is prone to damage, especially at elbow joints and joins. Over time, these pipes are more likely to burst than newer piping materials.
- Mature trees on the property. The roots of trees are drawn to water pipes because they provide both oxygen and water, which trees need. Roots can break or clog a pipe, causing significant damage.
Why do insurance companies resist paying pipe break claims?
Many insurance policies do not cover pipe break claims that are caused by wear and tear on the system. Therefore, if your claim appears to be due simply to the age of pipes, you may have difficulty on your own getting appropriate reimbursement from your insurance company. This is where public adjustors become helpful. While the adjustor on your claim is required to act in the interest of the insurance company, public adjustors are professionals who act on behalf of the policy holder. We have years of professional experience helping policy owners get appropriate restitution from their insurance company.
If you need help determining exactly what your policy covers, or assistance determining if your claim denial or claim check are appropriate, contact All Claims USA public adjustors for assistance. We will help you untangle the complexities of insurance and find the right solution. Reach out to us today to find out how we can help you get the reimbursement you deserve.