Burst pipe insurance claims can be messy. Even a small burst pipe can cause thousands of dollars in water damage in minutes.
The most frustrating part of burst pipe insurance claims, however, is that some insurance companies will refuse to cover certain burst pipe damages.
Today, we’re explaining some of the best tips for handling any burst pipe insurance claim:
Understand the Signs of a Burst Pipe: Common signs of a burst pipe include all of the following:
- Listen for bubbling, whistling, banging, or clanking sounds when turning on the water in your home
- Pay attention to strange odors – like an unusual smell coming from your sink or toilet when you flush it, or an odd smell from your washing machine as it fills with water
- Check for water damage and discoloration on the walls and ceilings, including stains that appear to be getting larger
- Watch for bulges in your walls or ceilings
- Check your latest water bills to ensure they were within your normal range
- Check for lower water pressure – a burst pipe can reduce water pressure throughout the rest of your home
Call your Insurance Company First: Once you have verified that you have a burst pipe, contact your insurance company to explain the situation. Your insurance company should recommend water damage restoration companies in your area, including 24/7 restoration services.
Control the Situation As Safely As Possible: Get the situation under control if safe to do so until the restoration company gets on scene. At this point, the restoration company will take over damage control. They might set up equipment to dry out your home and prevent mold, for example. Turn off your water, lay down tarps or towels, and perform other basic cleanup work while waiting for them to arrive.
Hire a Public Adjuster for More Expensive Burst Pipe Claims: A public adjuster is an experienced insurance industry professional who has likely worked with plenty of burst pipe claims in the past. If your claim is going to be worth more than $10,000, then it could be in your best interest to hire a public adjuster.
See more tips about insurance claims for burst pipes here along with information about public insurance adjusters.
Burst pipe insurance claims can be frustrating. With a public adjuster, you can maximize your burst pipe insurance payout and ensure you get the compensation you deserve.