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Discovering a shower leak is upsetting, especially when it’s been going on for a while. While you might be able to have your insurance cover the repairs, there are times when you may be expected to handle the cost. Exploring when insurance might pay for fixing your home’s shower leak helps you start planning for the repairs.
Note the Timeline
The majority of insurance policies are designed to cover damages that occur from sudden and catastrophic events. Just like you’re expected to keep your car in safe condition for auto insurance coverage, you’ll also need to stay on top of general bathroom maintenance. For instance, your insurance policy might not cover repairs for a visible leak you’ve allowed to continue for several weeks or months. But your policy might kick in to cover a leak that occurs with little warning. A burst pipe is a possible cause of shower leaks that insurance might cover.
Assess the Extent of the Damage
Even when your homeowners insurance covers a shower leak, it might make more sense to pay for repairs out of pocket. For instance, replacing a leaky showerhead usually costs less than the average homeowners policy deductible. If you noticed the leak before it led to damage, simply replacing the fixture yourself might be your fastest and most cost-effective option.
Consider the Source of the Leak
Similar to showerheads, there are other components you can reasonably expect to age and need replacement. A broken shower pan that’s decades old is likely to fall under the category of general home maintenance costs homeowners need to cover out of pocket. Meanwhile, you might have reason to file a claim for a leak that stems from a burst pipe in a new home that you wouldn’t have been able to prevent with routine maintenance.
Address Water Leaks Right Away
Practicing proper home maintenance can halt many potential sources of water damage. If you spot a leaky fixture or notice cracking around the other shower components, shut the water off to the area. Then arrange for a professional inspection to identify the source of the leak and the severity of the damage. Keep in mind hidden water leaks could cause damage to the interior parts of the wall or flooring, even within a short time. However, your chance of avoiding needing to file a major homeowners insurance claim goes up when you fix minor leaks quickly.
Reach Out to Your Insurance Company
Reputable insurance companies are always open to answering their clients’ questions. Once you spot a leak and have a good idea of the severity of the damage, you should contact your insurance agent. Asking what your policy covers can help you identify whether it will help you pay for the repairs. If you have concerns about water damage occurring in the future, you can also ask your agent about additional forms of insurance that might handle these types of perils to give you better peace of mind.
If you own a home or are considering buying one, take the time to understand exactly what your homeowners insurance policy does—and doesn’t—cover. It could save you a lot of time and heartache. The professionals at Altra Insurance Services will be happy to help you examine your current policy and determine if you have the coverage you need. We can also help you with renters insurance, commercial insurance, and motorcycle and auto insurance Chula Vista. Call one of our friendly agents today.