Plumbing Leaks

Plumbing Leak Claims

Plumbing leaks can be caused by a variety of problems such as drain pipes, burst pipes, broken pipes, toilet and tub overflows, and water heater leaks. The alarming fact is that plumbing leaks make it on the top 10 list of common insurance claims.

Regardless of the size of the leak, there is always the potential for property damage or mold growth. When you need to make an insurance claim, it’s important to hire professional help as it can be the difference between an outright denial or a fair settlement.

Though you will rarely (if ever) see news headlines flashing catastrophic evidence of the water damage that plumbing leaks cause, the results can still be devastating. Water leaks are sudden and can take any homeowner by surprise, which is what makes them so dangerous. Our firm has been in the business of getting homeowners fair insurance settlements, and we’ve seen our share of worst case scenarios.


In many cases, it’s not enough that there is a plumbing leak, but what comes out of the pipes is something called “black water”. This so-called black water is raw sewage spilling out of your piping system, and before you can move back into your home, a special remediation job needs to be undertaken. Black water loss remediation costs significantly more money than your run-of-the-mill water remediation. There is a requirement that certified hygienists must gauge the severity of the water damage and must plan the proper protocols to repair your home before it’s deemed safe for living.

If your home suffers damage in any way due to a plumbing leak, you may be in trouble in terms of insurance. A rising, but rather disturbing trend is insurance companies controlling their adjusters to deny water damage coverage policies or to significantly reduce the amount covered by the insurance company. Additionally, they get sneaky as most policies don’t cover water damage that is more than 14 days old.


Has your home recently suffered damage due to a plumbing leak? Let our employees at AMLoss help you get what you deserve! After any type of plumbing incident, it’s important to act quickly in terms of remediation. We can help homeowners reach a reasonable outcome with their insurance adjusters and ensure that proper remediation steps are taken to repair the home.

What can you keep if your home has suffered water damage? The rule of thumb that we go by is that if your belongings have incurred damage by black water loss, most things are beyond salvaging. However, if you’re dealing with regular water loss, hard goods can be repaired. Soft goods are often not as lucky as they may become soaked and stained, therefore, unable to be refurbished. In any case, make sure to wait several weeks before picking out your hard goods as some items may crack or split as a result of the water damage.


Never in any case let a restoration firm begin work on your property without reaching an agreement in terms of service with your insurance adjuster. The problem is usually with the billing process, and oftentimes, restoration firms resort to charging too much and trying to fraud the system. Unfortunately, if an agreement is not reached between the adjuster and the restoration firm, you may be in for some tough luck as the insurance company will not pay for your bills.

When dealing with water remediation, know the contract you’re signing as if you fail to pay, the company can put a lien on your property, and of course, it can also be a representation of a poor insurance policy.

Is your plumbing leak important enough to file for compensation? We always advice against filing paperwork on minor plumbing problems as it can become a headache. When you do file, the paperwork is sent to a central index bureau and your records will contain a CLUE report. However, if you feel overwhelmed by the entire process, consider calling a professional public adjuster to help guide you.

If your insurance policy covers something called water peril, then you’re completely covered should an upstairs broken plumbing pipe damage your property. The National Flood Insurance Program describes a flood as either two acres of flooded land or two adjoined properties that incur flood. Most common homeowner’s insurance policies and that of commercial properties don’t have flood coverage. Flood insurance coverage must be purchased separately from either a private insurance sector or through the National Flood Insurance Program.