A couple of months ago, I experienced a leak from my kitchen sink. Unknowingly, for two weeks the drain pipe from the sink disconnected and every dish washing went down into the crawl space of our home. Would this be covered under our home policy?
A leak is a gradual loss of liquid from a system. With most home insurance policies, a leak is usually not a covered loss, as the damage occurs over a period of time or is the result of poor maintenance.
Here are a few examples of a leak:
- Leak from dishwasher in kitchen destroyed flooring to floor joists in kitchen and dining room.
- Leak from disconnected pipe.
- Rusty pipes.
- Water stains.
- Leaky toilet.
- Roof damage.
How To Prevent Leaks
Installing smart water leak detectors can help deter extensive damage from hidden leaks.
Pay attention to moisture damage and make necessary repairs to prevent mold, mildew, structural or rotting damage to your home.
Have a certified HVAC contractor inspect your furnace and/or air conditioning unit on an annual basis to verify all drains are functioning properly.
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