For homeowners everywhere, water damage in your house is a cause for constant concern - and home insurance can help protect your home against it.
Water is, of course, essential for everyday homeowner activity. We rely on it to cook our food, refresh our bodies, wash our clothes, do our dishes, take care of our hygiene, and do many other essential things. However, with a dash of bad luck - or inadequate maintenance or construction - that same water we use for our everyday activities can have a devastating effect on your house.
Luckily, there's a way to help protect against the typical water damage in your home. Homeowner's insurance is a useful, comprehensive tool to protect your most valuable asset - your home - against the hefty expenses that can come with the damage that water can do to your house. For those that have put a lot of money into their home, which many people have, homeowner insurance can be an absolute necessity for water damage in your house.
In this article, we'll go over the common causes of water damage for your house - providing you some information on their sources and objectives - and we'll explore homeowner's insurance as a useful tool for protection when the worst happens when it comes to water damage.
Hopefully, you don't have to think about your plumbing supply system too often. Unfortunately, when you do, it might come hand-in-hand with significant damage to your household. The plumbing supply system to your house - how water enters your home - is one of the primary sources for water damage in your house. The reasons for this can vary. In colder environments (like the upper Midwest, New England, or the northern parts of the United States), the most common type of plumbing system supply failure is frozen pipes. When frigid weather comes in to freeze pipes, those pipes can crack and eventually break - leading to significant and costly issues.
The other type of risk when it comes to your plumbing supply system - material failure. This could be due to anything from poor construction to simple wear and tear that comes along with the age of your house. Either way, if your pipes fail - and the water in the building comes rushing out - you could be facing a severe bit of damage throughout your home.
There's another significant potential for failure within the home when it comes to your plumbing - the plumbing draining system. In a home, the plumbing drain system brings the waste from the building into a place of disposal - a sewer system or septic system.
When it comes to drainage, one of the most common causes of water damage in your house comes with heavy, flooding rain outside. When these types of heavy rains occur, they can quickly start to overwhelm the sewer system. When that happens, the water could not drain properly - and could flood right back into the household. The potential for damage is enormous, especially with homes with finished basements; that spot is generally the first place this poorly drained water will go.
The other significant risk for a plumbing drain system is the same one the supply system faces: a mechanical failure. Like any other aspect of a building, a plumbing drain system can fail because of poor construction, age, wear, and tear. Either way, water and plumbing not draining correctly is the gateway to significant water damage in your house.
Everyone knows how essential "the throne" is to any household. However, toilets can also be a significant risk when it comes to water damage in the house. With all the water flowing into the pipes around a bathroom along with its constant usage, toilet failure is one of the most common "hot spots" for destruction in the house. The most common cause when it comes to damage? Usually, toilet failure comes from blockage at the source. When a toilet is "blocked up" and not plunged, water can continue to rush into the system; it can quickly spill over the top and then wreak havoc throughout the bathroom and the structure of the house.
Like anything else in the house, too, fill valves, and other toilets (especially older toilets) can also fail over time, leading to more backups and catastrophic water failure problems. It's essential to keep a close eye on your toilet system's structural integrity or face significant water damage in your house.
Like many other appliances in your home, you might not think about your water heater until there is a significant problem. However, water heater failure presents a definite potential for water damage within your house. Water heaters, like everything else, can fail - especially if it is an older appliance. If the heater's age beyond their prescribed ranges or succumb to poor maintenance, their tanks can quickly become corroded. When that happens, they can burst and flood the area, causing considerable damage. There are also risks, like in other elements of the plumbing chain, that the supply to the water heater can fail.
Of course, hot water is essential for a household; however, proper water heater maintenance and keeping a close eye on your heater's age expectancy should help people ward off their
Finally, we come to one of the most common places where water issues in your house could come from: the washing machine. This vital part of the home helps keep everyone clothed no matter what the season. However, it also presents the significant potential for water damage within the home. Washing machines contain several important moving parts; the failure of any one of them (the supply hose or drain line, for example) can lead to a water leak or overflow. Not only can those issues lead to what might be a costly washing machine repair or replacement, but it can also do a tremendous amount of damage to the room where the washing machine lies.
As mentioned before, age and proper maintenance are critical when it comes to washing machines. Keeping an eye on both is an essential job for any homeowner.
Even if you take the utmost precautions when it comes to your plumbing system and the various appliances around your house, the worst still could happen. Whether through bad luck, poor maintenance, or poor construction, water damage can take a significant toll on your household. Take a look at these statistics from the Insurance Information Institute - over five years, from 27.1% to 46.1% of all homeowner's insurance losses came from the "water damage and freezing" category. That same website shows that the average loss for the "water damage and freezing" category is over $10,000.
The good news when it comes to home insurance? In most cases, water damage does get covered by home insurance. Home insurance can help protect your most life's valuable investment against the potential destruction that water can do.
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