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Once you know what you can inspect from an insurer after a pipe bursts, you can take additional precautions against these losses by: It is essential that you read your policy carefully to determine which losses are covered, what events will trigger coverage, and whether certain coverages may be extended in a large-loss situation. Owners are often underpaid for their water damage claims simply because they don’t fully understand the terms of their property damage insurance policies. Take Action Now to Prevent a Burst Pipe from Eating Into Your Profits If a pipe bursts in an older structure, owners will need to pay for any updates needed to bring the building into compliance with current building codes. Older buildings increase both risks and costs associated with water damage, since older pipes are more likely to break and may need extensive updates when they do. If a pipe bursts on the upper floor of a hotel or an apartment complex, owners may have to replace drywall, lighting, flooring, and carpeting in every unit beneath the leak. Water will spread across floors, through porous surfaces, and down into the lowest recesses of a building, contaminating everything it touches along the way. Water from sprinklers come from larger pipes, has a more forceful water flow, and is sprayed directly from overhead using a wide dispersement system. Fire suppression systems can save lives, but they can also make flooding insurance claims more costly. Common structural factors that lead to burst pipes include unheated attics, failure to adequately insulate pipes between interior and exterior walls, and faulty installation of plumbing systems. The design and layout of the structure can impact both the likelihood and extent of water damage. Pipes may freeze even in areas where snow and ice is less common in winter, especially if pipes are not properly insulated. When temperatures drop suddenly, standing water in the pipes expands, cracking the pipe or busting through its seams. The most common cause of water damage from internal plumbing is frozen water pipes. Many different factors can affect the extent of damage from a burst pipe, including: Even if the water is shut off as quickly as possible, a pipe can disgorge several gallons of water into the walls and flooring, causing partial or total closures until repairs can be made. Flooding that is contained to a single room may only require new carpet and pipe repair, while slow leaks can cause damage that goes through several floors-and possibly all the way to the building’s foundation. The costs of water damage restoration can vary widely depending on the extent of the damage. Why are Some Burst Pipe Claims More Costly Than Others?
DO FROZEN PIPES ALWAYS BURST HOW TO
Our insurance claims attorneys want to prepare owners for the next steps after these incidents, including how to file a claim that will allow maximum coverage for water damage to a commercial building. Nothing can bring a business’s operations to a halt faster than the sudden burst of a water pipe.