Water damage is a major concern for homeowners, often resulting in expensive repairs and significant stress. Recent data from 2017-2021 shows that losses due to water damage and freezing rank as the second most common type of homeowners insurance claims. Approximately one in every 60 insured homes files a property damage claim due to water or freezing each year. As a homeowner, being aware of the common causes of water damage and taking preventive measures can save you significant time, money, and frustration in the long run.
Common Causes of Water Damage
Burst Pipes
Burst pipes are a frequent cause of water damage in homes, often resulting from freezing temperatures or old, deteriorated plumbing. When water inside pipes freezes, it expands, putting immense pressure on the pipe walls and joints, leading to cracks or bursts.
Damaged Appliances
Appliances can be a source of damage to a home if they are not properly maintained and monitored. Common culprits include dishwashers, washing machines, refrigerators, and water heaters. Over time, wear and tear can lead to leaks or ruptures in hoses, connectors, or seals, resulting in water damage.
Severe Weather
Weather-related water damage is a significant concern for homeowners, particularly during extreme weather events such as heavy rainfall, storms, or melting snow. Roof leaks are a common consequence of inclement weather, as strong winds and debris can damage shingles or roofing materials, creating entry points for water. Additionally, flooding is a risk in some areas during severe weather events.
Clogged Drains and Gutters
Over time, debris like leaves and twigs can clog gutters and downspouts, blocking water flow away from the roof and foundation. This can cause rainwater to overflow, pooling around the home’s foundation and possibly infiltrating basements or crawl spaces. Similarly, clogged drains inside the home, such as those in sinks, showers, or toilets, can lead to backups and overflows, potentially causing damage to floors, walls, and ceilings.
Protecting Your Home from Water Damage
Inspect Your Plumbing and Appliances
Annually inspect for signs of leaks, such as water stains or dripping pipes, under sinks, around toilets, and near showers and tubs. Ensure seals and caulking are watertight and reseal them as needed. Inspect hoses, connectors, and seals on appliances like dishwashers, washing machines, refrigerators, and water heaters for any signs of wear or damage. Replace any worn-out components promptly to prevent potential leaks or ruptures.
Install Smart Water Shut-Off Valves
Installing temperature monitoring devices or smart water shut-off valves can provide an additional layer of protection against burst pipes. These devices can detect drops in temperature or unusual water flow patterns and automatically shut off the water supply, mitigating the risk of burst pipes and subsequent water damage.
Maintain Your Roof and Gutters
Inspect your roof for any signs of damage, such as missing or damaged shingles, cracks, or deteriorating flashing around chimneys and vents. Consider hiring a roofing professional for an annual inspection. Promptly repair any issues found during an inspection to ensure your roof remains watertight. Additionally, keep your gutters clean and free of debris to ensure proper drainage. Regularly remove leaves, twigs, and other obstructions that can clog gutters and downspouts. Consider installing gutter guards to help keep debris out and reduce the frequency of cleaning.
Does My Insurance Cover Water Damage?
A standard homeowners’ insurance policy typically covers “sudden and accidental” incidents that result in water damage to your home or property. This could include events such as a burst pipe or appliance failure. However, insurance does not typically cover gradual, long-term issues that are a result of poor maintenance or wear and tear. Additionally, damage caused by flooding requires a separate flood insurance policy. Your Farm Bureau Insurance agent is available to help you understand your policy and determine if you have the coverage you need. Contact your local agent with questions about your policy.
Disclaimer: The information included here is designed for informational purposes only. It is not legal, tax, financial or any other sort of advice, nor is it a substitute for such advice. The information may not apply to your specific situation. We have tried to make sure the information is accurate, but it could be outdated or even inaccurate in parts.
Sources:
Consumer Affairs
Insurance Information Institute
