Do you want to know if your insurance covers leak detection? Do you need to locate a leak around your home? Would you like to know if there is a charge for hiring a local leak detection service? Did you sustain water damage from a recent leakage? You’ve reached the right place if you answered yes to any one of these questions. Over 1200 leak detection calls are made annually by 911 Restoration specialists, with half of those being insurance-related. These are the pros and cons of your insurance coverage for leak detection for the water damage restoration in Miami process.
You should never file a claim for insurance if you have a leak?
Your insurance policy will usually cover leak detection, but this all depends on the type of leak. These are the types of leak detection that are covered or not and why.
Slab Leak Detection
Yes. When it comes to insurance coverage, slab leaks are usually a no-brainer. Slab leak detection services will typically cost you around $450.00 to locate the leak and give you an inspection of what is needed.
Tip: Ensure you have a leak detection company who can properly write a report to ensure you get the best insurance coverage. It can lead to a denial from your insurance company if it isn’t written correctly.
Slow leakage in a wall that causes damage to your home
No. Insurance will not cover a slow leakage in the wall that causes damage to your home. Here’s why.
If you find a slow leak in your ceiling or wall that has led to secondary damage like mold, and your leak detection company determines that it was a long-term problem, then this is a serious situation. This is unlikely to be covered by your insurance. A mold policy that is very rare will provide up to $5,000 coverage for mold cleaning. This is all. The leak detection is not covered in any other cases.
Structural Leak Detection
No. These types of structure leaks are not usually covered because they are often caused by long-term wear and tear. You may be eligible for coverage if your contractor or leak detector can prove that the cause was sudden. It is important to have the right contractor and leak detection company who are familiar with the insurance coverage language in order to facilitate this type claim.
Sewer Back Up Leak Detection
Yes. Insurance usually covers sewer backups. To determine the source of the sewer backup, a plumber will visit your house and run a camera down the drain.
Only if the plumber discovers roots in the yard that have grown through the sewer pipes and caused the backup/damages, it may not be covered. This is called a soft stoppage. It means that there was a sudden cause.
Typically, sewer leak detection insurance coverage is around $350.00.
Questions To Ask Your Agent
These are the questions you should ask your insurance company if you’re looking to get new insurance.
- What is my deductible
- What are my options when it comes time to fix your leak?
Conclusion
The most important thing when it comes to your insurance coverage for leak detection is the leak detection expert that you hire like 911 Restoration of Miami. It’s important to locate a leak detection service near you if you are unsure where the leak is coming. This will ensure you have the best coverage.