Here at Whywait Plumbing, we frequently get a phone call asking does insurance cover water leaks? Every week we are called upon to deal with insurance companies or assessors on behalf of clients when they have sustained water damage to their home.
With water leaks just like everything else to do with insurance, there seem to be multiple grey areas with numerous interpretations. It is our experience we find every time we deal with an insurance company where the circumstances of the water leak are similar to previous we meet with a different response.
The product disclosure statement issued with your policy is where we find all the confusion starts. This is where the insurance company hopefully discloses what is covered by your policy. If you find the product disclosure statement confusing then call the insurance company to clarify what the coverage is that you are paying for. The more questions you ask, the more you will understand. Remember there is no such thing as a stupid question. Also, remember insurance companies record all calls, so keep diary notes of when you called and who you spoke to. Better still send them an email confirming your phone call and what your understanding was of the answers you received. This creates an electronic paper trail that can be utilised at a later date.
Important Definitions & Clauses
There are three important definitions and clauses which appear to apply to the question does insurance cover water leaks:
- the “Water Damage Clauses” in the actual policy
- the definition of what is water damage
- the definition of what is gradual water damage
The Water Damage Clauses
The water damage clauses you should always read carefully and ensure you understand. Generally, it will have a section with several clauses and subclauses in the policy which will cover water damage and what you can claim for if you make a water damage claim on your home.
As a rule, it will state precisely what water damage your insurance policy covers and what is excluded. The exclusions are what you need to be aware of as often they will include an all-encompassing negligence clause coupled with a failure to maintain your home in good repair. If you have these general all-encompassing clauses, ask your insurance company what they precisely mean as we’ve seen these clauses used to deny coverage where it was in a very grey area and open to interpretation in their favour.
The Definition of Water Damage
Water damage can occur in so many ways that it’s generally not well defined in your insurance policy. In our experience, insurance companies specify water damage in two ways:
- accidental or sudden water damage
- gradual water damage
We’ve found that instances such as burst pipes, burst taps, burst valves, overflowing sewerage, overflowing stormwater and storm damage are covered by most insurance policies. This is because it was a sudden event that you could not have prevented.
In contrast, the damage caused by slow plumbing leaks in pipes, showers, toilets, gutters and roofs not damaged by a storm is not covered as they are classified as gradual water damage.
The Definition of Gradual Water Damage
Essentially gradual water damage is the insurance policy get out of jail free card. It is water damage they assess has occurred gradually over time. Frequently the water damage was visible to the trained eye but invisible to you as it covers the rotting of timber under the paint or mould in the walls, floor or ceiling. Essentially the insurance company will conclude you were negligent in not maintaining your home.
Examples of gradual water damage we frequently see are:
- seepage from leaking taps into cupboards
- leaking shower trays
- leaking shower taps
- leaking toilet cisterns
- leaking drain pipes
- rusted out sections in gutters and roof
The water damage from many of these occurrences is often not covered by your insurance policy as it will be concluded you failed to keep your home in good repair through regular and reasonable maintenance.
Water Leak Prevention
The best way to avoid an unsuccessful water leak claim is regular maintenance by Whywait Plumbing. Now this will not prevent every possible water leak scenario happening, but it will demonstrate to the insurance company that you have been undertaking regular maintenance.
At Whywait Plumbing, we see instances every day of water damage that has occurred through the failure to maintain your home regularly. That is why we recommend all our clients to become a Service Partner and enjoy the VIP benefits of having a Service Partner Plan to maintain your most valuable asset, your home, proactively.
Household plumbing is one of those tasks that homeowners always debate over. Should you attempt to complete the work yourself to save a bit of money or hire a plumber and absorb the added cost? Many everyday plumbing tasks seem simple at first glance, so, understandably, you might want to try the DIY route. However, several pitfalls can trap you if you don’t fully understand what you are doing.
Recently, we were called out to a Coombabah home to address a blocked sewer drain. However, the homeowner had unknowingly built a deck over the inspection access point. Because of this, we were unable to fix their blocked drain until we had received detailed drain plans from the local council to enable us to find another access point.
While this was not specifically a DIY plumbing issue, the homeowner had likely built the deck themselves. An experienced contractor would have known that it is against the law to build over an inspection opening to the surface (IOS) for sewer pipes. You expose yourself to similar risks when attempting to do your plumbing, as you may be violating regulations and laws of which you are not even aware.
On another recent job, we discovered that a homeowner had connected both the hot and cold water pipes with flexihoses. While this is fine for cold water, hot water must be connected with copper pipe for the first metre from the water heater. This is a requirement of the Plumbing & Drainage Act, so failing to comply with the regulations could result in fines or other punishment.
In addition to the possible legal ramifications, the safety risks are of even more significant concern. Because flexihoses are not designed for use with hot water, they can burst or rupture without warning when exposed to excessive heat, allowing water upwards of 75 degrees to spray everywhere. Had someone been nearby when the hose ruptured, they would likely have been severely scalded.
In many cases, we get called out to homes to fix plumbing problems that were the result of the homeowner’s attempts to fix their own plumbing. Often, their efforts have complicated matters, resulting in more costly repairs. When you attempt to do your own plumbing, you run the risk of making mistakes that could lead to even more damage to your plumbing system.
An experienced plumber will know exactly how to fix your plumbing problem quickly and accurately. Although hiring a plumber will cost you a bit more than doing the work yourself, you’ll save time and gain peace of mind that the job has been done right. The added cost of hiring a plumber is a small price to pay for the safety of your home.
Your Expert Plumbers on the Gold Coast
When you require a plumber in the Gold Coast region, Whywait Plumbing Services is here to help. We have helped countless homeowners in the area with a variety of common plumbing problems, including blocked drains, cracked or broken pipes, leaks, water damage, hot water system installation and maintenance, and gas fitting, to name a few.
Our friendly associates will be happy to assist you with whatever you need, so don’t be shy about getting in touch. We are available 24 hours a day to serve you because you never know when a plumbing issue might arise. When it happens to you, don’t expose your home to unnecessary risk by attempting DIY plumbing. Call the experts at Whywait Plumbing Services right away!
Dissolved lead in your drinking water is a reality in Australia. Lead is used across a wide range of plumbing products that are installed in homes and buildings. The most common products lead is used in is brass fittings and taps.
Some brass plumbing fittings allow the lead to dissolve into the drinking water where the water has been unused for long periods. This process is more pronounced in your hot water system where the heating of the water to 70 degrees results in an increase in all dissolved metals in the water, particularly lead. This is why you should always use only cold water for drinking and cooking.
If your water supply is sourced from a rainwater tank, you should also be aware that the increased acidity of rainwater may also increase the level of dissolved metals and lead from brass plumbing fittings.
As we have virtually no lead pipes circulating water in Australia in homes and buildings, it is rare for Australians to have elevated blood lead levels that are related to dissolved lead exposure from drinking water. However, at home, you can reduce your exposure to lead in your drinking water by:
- Always using the water from the cold tap for drinking and cooking
- First thing every morning it’s good practice to flush the cold water taps used for drinking and cooking for 30 seconds to draw fresh water through the tap rather than using the water that has been sitting there all night
- If a home or building has been unoccupied for an extended period, then it’s good practice to flush all cold water taps used for drinking and cooking for at least 3 minutes to flush out dissolved metals. If you are in public parks and use a water bubbler or tap it is good practice to flush the water for 30 seconds, especially if it’s not heavily used.
There is no need to have your water tested for lead. What we do recommend is that you follow the suggestions above to flush dissolved metals such as lead, copper and nickel from your drinking water.
A burst flexi hose is a job we attend to almost every day. In all likelihood, you will have multiple flexi hoses in your home. They will exist commonly in both residential and commercial buildings under the kitchen sink, under the bathroom vanity basins, under the toilet cistern and under the laundry tub. Invariably when we attend to a burst flexi hose it has been damaged during installation causing kinking and has further experienced corrosion. Almost always the burst flexi hose was a time bomb waiting to happen. The braided stainless steel “simple to install” flexi hose has over the last 10 years replaced copper pipe connections to taps and toilet cisterns. Unfortunately, the braided stainless steel flexi hose has not lived up to expectations and delivered on the rust protection anticipated. In our experience, a burst flexi hose is caused by:
- incorrect installation with multiple kinks in the braided stainless steel
- stretching of the flexi hose to make the connection fit
- chemical attack from household cleaners
All of the above can create the perfect storm scenario in causing the braided stainless steel to corrode and rust. It then is just a matter of time until the stainless steel braiding fails which allows for the inner liner to burst. Here at Whywait Plumbing, we are now installing a polyamide hi class water hooker from Abey Australia which is the most technologically advanced flexi hose we have seen come onto the market. The Abey polyamide hi class water hooker cannot rust or corrode as it uses polyamide braiding that is similar to the Kevlar used in bulletproof vests. The connectors are manufactured from brass alloy so the entire flexihose will never rust even if its continually in contact with chemicals such as chlorine.
We are confident you will never experience a burst flexi hose once we install the Abey polyamide hi class water hooker as they literally cannot rust and cannot kink but best of all they come with a 15-year rust resistant warranty. Kinking is often the cause of a burst flexi hose but cannot occur with the Abey polyamide hi class water hooker. Kinking is simply poor installation as a result of over tightening the connector which twists the stainless steel braided hose. This over tightening creates pressure and tension in the braiding which frequently results in the inner liner bursting through the braiding and rupturing. The Abey polyamide hi class water hooker has a simple design to ensure that it is anti-kink. When we install the Abey polyamide hi class water hooker we are able to use two spanners to counteract any twisting that results in kinking.
Most of the flexi hoses currently used have an inner lining manufactured from EPDM which has the potential to absorb and release harmful chemicals such as chlorine into your drinking water. This ability to absorb chemicals also results in a potential burst flexi hose. With the Abey polyamide hi class water hooker the inner lining is manufactured from Softpex Core. The Softpex Core inner liner gives a superior mechanical performance to EPDM guaranteeing a longer life due to its higher tensile strength, higher abrasion resistance, higher working water pressure and non-corrosiveness. The extensive age/stress testing undertaken resulted in an amazing 0% failure rate.
We strongly recommend that you get us to check your flexi hoses every year for rust and/or corrosion and that they are replaced every five years. This will give you the peace of mind in knowing that the flexi hose in your home or business is not rusting and about to explode releasing water at 25 litres every minute that it flows. Rust is the #1 enemy of a braided stainless flexi hose.
When we replace your existing stainless steel flexi hoses with the Abey polyamide hi class water hooker we guarantee you will get:
- superior strength and corrosion resistance
- tested and WaterMark approved for use in Australia
- superior tensile strength
- superior working water pressure
- a superior mechanical performance with the Softpex core inner liner
- a 15-year rust resistant warranty from the manufacturer
As always we must caution you that installing or replacing a flexi hose is not a legally compliant DIY installation and under Queensland law must be done by a licensed plumber. You need to be aware that undertaking a DIY installation has the likelihood of making your insurance coverage null and void and the manufacturer’s warranty null and void if the flexi hose bursts and causes damage. Don’t wait for the ticking time bomb of your existing stainless steel braided flexi hoses to strike! Call us now to get us to upgrade you to the Abey polyamide hi class water hooker.