There are many ways to protect your home when it comes to water damage. Inspect plumbing supply and drain lines annually, make sure your water using appliances are leak free and are in good working condition, invest in a humidistat for areas that are commonly left closed up and are more prone to moisture, keeps exhaust fans running when high humidity is present, utilize dehumidifiers when in humid climates. If your home or building has a crawlspace make sure it has a properly sealed liner and venting system to limit the possibility of moisture vapor being into in to the building envelope.
Sudden, repeating or prolonged water issues can be an issue for a building in a few different ways, it can lead to mold, rot and decay of crucial building components leading to unstable structural members. The subsequent mold growth that can occur after a water event can pose health hazards to buildings occupants. Water damage can also be a symptom of larger underlying issues of a buildings design and foundation.
Insurance covers sudden and accidental occurrences of a covered loss, typically referring to a water event that demands immediate attention such as a burst pipe or faulty plumbing part. In most cases insurance will not cover a loss if is caused by ground flooding or seepage. Although ground flooding is covered if a policy includes flood insurance, only offered by the federal government this type of coverage is only available in designated flood plains and is not available for all properties. In short, unless it is a sudden and accidental water event, insurance may not cover it.
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