Does insurance cover water damage from a leaky pipe?

When a pipe starts to leak, panic quickly sets in. Little by little puddles are discovered, or a leak that seems to be persistent. The consequences can turn out to be catastrophic very fast. And this is for both for the occupants and for the habitat itself.


Whether you find a puddle under a pipe or have an unpleasant surprise looking under your sink, leaks can be a costly nuisance. Leaks usually occur at the joints. This is why these accessories are so important in specialty stores. Often this repair is only temporary. You will need to consider having the defective pipes replaced by a professional plumber.


Leaks under a sink can be caused by a leaky faucet, a leaky pipe, or a damaged part. Each case is different, and the origin of the leak determines the solution to be adopted. In this article, you will find the possible solutions to stop a leak under a sink.


Contact Rapid Restoration for fast and efficient water damage repairs. This includes leaking pipe damage restoration or even flood damage restoration.


Why Does My Pipe Keep Leaking?


A leaky faucet is also the cause of a rising water bill. A single leaky faucet can waste hundreds of liters of water going down the drain over the course of a year.


The water coming into your home is under pressure. That’s what allows it to flow down the pipes. When you turn off the tap, rubber or silicone seals form a tight seal that prevents water from forcing its way further down the pipe. Over time, the seals can harden, tear, or shift. This would allow small leaks and cause that horrendous drip sound.


When the water that should be gushing out of your faucets only falls in a thin stream, you have a pressure problem! This problem may not be always related to your installation. It may be sometimes related to the water service in your neighborhood. It’s rare, but there may be breaks in the water mains that reduce the pressure for a short period of time.


A more common cause is the build-up of scale deposits inside the faucet aerators themselves. The water flowing through your pipes carries dissolved mineral substances. Those settle on metal surfaces. If you have a filtration system, these deposits will wind up in the filters, which you will have to change. If you don’t have a filtration system, these deposits will end up on tap aerators and showerheads, clogging orifices. This will reduce flow rates.


A wet stain on the wall is usually evidence of a leak in the water or sewer system. The damaged piece of pipe must be then repaired or replaced locally.


What to Do if a Pipe is Leaking?


A leaking pipe must be immediately repaired to avoid serious water damage. Regardless of the origin of the water leak. The first thing to do here is to cut off the water supply to the house to stop the leak from your sink for a short period of time.

  1. A leak under a sink can be solved fast. Especially when it originates from the simple loosening of the connecting bolts between the water pipes and the faucet. Tighten them again to stop the leak. It can be also caused by the trap. The water then drains through the trap and is thus easy to spot. Usually, a leaking trap is dirty or damaged. You can then dismantle it, clean it, and/or change the seal if it is all damaged.
  2. If tightening the bolts is not enough to stop the leak under the sink, then the connections must be disassembled. This will allow you to check the condition of the seals. If they are all damaged, they should be then replaced to correct the problem.
  3. Are you unable to stop the leakage under your sink, even after applying the three solutions mentioned above? It may be useful to get a special sealant. It is particularly effective in dealing with slight leaks. Especially those where water is flowing at connections or pipes.
  4. If despite your best efforts, the leak continues to grow under your sink, there is no point in trying to fix it. This will only make the situation worse. It’s time to consult a professional plumber. No doubt he will be able to repair the sink or replace defective parts.


Who Covers the Water Damage After a Leaky Pipe?

If the leak is sudden and accidental, home insurance can help you cover the damage caused by a water leak. This is the case, for example, if your bathroom faucet supply pipe suddenly breaks or if a pipe bursts for no reason.


But this same warranty does not cover damage resulting from poor maintenance. Signaling the damage too late is also a mistake to avoid on your part. This could be a sign of negligence. This is the case, for example, if the damage occurs after you have failed to repair a broken dishwasher.


There are three favorable clauses in your home insurance policy. They may cover you for water damage to your property:

  • Home coverage

This protection covers the structure of your home, such as the roof, walls, and floors. It also guarantees the reimbursement of household appliances that have been damaged.

  • Property coverage

This insurance reimburses you for all your personal property damaged by a leak. This includes clothing, televisions, and furniture in general. But there are limits to this coverage, such as luxury items. Unless you pay extra insurance for them.

  • Additional Living Expense Coverage (ALE)

This reimbursement covers hotel, travel, and food expenses if you have to quit home for some time.


For more information on a leaky pipe in Port St Lucie and water damage restoration, get in touch with Rapid Restoration. We are specialists in the region of insurance claims. We will walk you through what could be a troublesome and distressing procedure.

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