Property Damage Lawyers Specializing in Damages Caused by Plumbing Leaks

Unlike water damage caused by natural sources, which aren’t always covered by your normal Florida home insurance policy, any water damage caused by a plumbing leak should be covered. However, there may be exceptions or policy exclusions that complicate your claim process.

For instance, the insurance company differentiates between sudden plumbing leaks and slow drip leaks. If the insurance company believes water damage from a slow drip plumbing leak could have been avoided with prompt action on your part, they may make your claim process more difficult.

According to most home insurance contracts, homeowners have a duty to minimize damage and the potential for claims. This means not only performing maintenance and upkeep as needed but also taking initial reparative steps if a covered peril occurs, like a leak.

This distinction between slow drips and sudden leaks isn’t always fair to homeowners in Florida. What about a scenario in which there’s a slow drip under a bathroom sink attached to a rarely used spare bedroom? Even a small amount of water can lead to mold or wood rot, which can lead to expensive claims.

Most people would consider it unreasonable that homeowners be constantly checking all their exposed pipes for leaks, but the insurance company may be looking for ways to potentially deny or undervalue your claim.