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Illegal Plumbing Causes Large Insurance Claim To Be Rejected. Why?

Illegal Plumbing Causes Large Insurance Claim To Be Rejected. Why?

A recent phone call I received regarding suspected illegal plumbing from an insurance company assessor was a timely reminder of why property owners and property managers must ensure the following where any plumbing work is concerned:

  • that all plumbing work on your property is undertaken by a licensed plumbing contractor
  • that all legislated council inspections are undertaken and all fees paid
  • get a copy of the Queensland Governments, Queensland Building and Construction Commission (QBCC) Form 4 compliance certificate that the plumber must lodge and pay the $29.70 fee
  • and that all products such as taps and toilets are WaterMark and WELS approved products

In this particular incident, the assessor was verifying with us what the property owner had claimed after a child had undertaken some experimental work with a pull out kitchen spray hose. We were able to supply the documentation he was seeking and all was well.

But this is not always the case. We had a situation we had to rectify last year where the owner of a hairdressing salon broken every rule in the book and paid dearly for it when her salon was flooded.

Like us all, she was extremely busy. Needing to replace her taps on the hair washing basins she did a Google search and found the perfect taps online at half the price she was expecting to pay.

A week later the taps arrived with instructions on how to install them so she decided her husband could do the installation as he was a bit of a handyman. The following Sunday when the salon was shut her husband removed the faulty taps and after a few minor mishaps had the taps up and working by that evening all ready for the next days trading.

The taps were a huge improvement on the old ones because they actually worked with the water mixing beautifully to the right temperature at the touch of the handle. Everyone was happy – clients, employees and owners.

The salon owner and staff talked with their clients whilst doing their hair how great the new taps. A major topic of conversation was what a bargain they had been to buy online plus they had saved a fortune on employing a plumber by doing all the installation themselves.

illegal plumbing causes water damage to hairdressing salonThree months after the taps were installed the salon owner got a call at home on a Saturday morning just as she was leaving for work to say there was water coming out of the front door to her salon.

When she arrived at the salon the water was indeed pouring out of the door and everywhere else. Water was flowing continuously from a burst connection hose on one of the new taps. Luckily she knew where to turn the water off on the street. Unfortunately, the taps did not have individual control valves under the hot and cold connections despite it being a required installation of the taps instructions.

A flooded salon meant that she had to get her staff to cancel client appointments despite it being the busiest day of the week. Instead of it being a cash flow positive trading day it became cash-flow negative with staff cleaning up the salon in conjunction with a multitude of tradesman beginning rectification.

a tap without a WaterMark logo is illegal plumbingOn Monday with the rectification work already underway the insurance companies assessor arrived to inspect the damage. As expected he was a model of empathy with her plight taking a number of photos of the damage to the salon.

The Salon owner showed the assessor the faulty tap which he checked over and agreed it was indeed the cause of her flooded salon.

The assessor then asked her where she had brought the mixer taps and who was the plumber who installed them. Proudly she explained how she had saved a fortune purchasing the taps online and that her husband had installed them so they had saved the cost of the plumber as well.

She also told the assessor she had emailed the online store where she had purchased them as they had no phone number demanding that they supply a replacement tap.

On Friday she received a letter from her insurance company not only declining to cover the damage to the salon but also declining coverage on her business interruption insurance. Their reasons were she had through her own negligence directly caused the damage which also caused her business to have to temporarily cease trading. The negligence was:

  • the installation of non-compliant taps with no Australian WaterMark or WELS certification in the salon’s basins
  • the said taps were installed by a non-licensed person with no compliant contractor registration in contravention of the Plumbing and Drainage Act 2002 and Queensland Building Services Authority Act 1991.

So the bargain taps and the do it yourself plumbing installation turned into a financial nightmare for the salon owner. The repairs and rectification cost in excess of $30000. In addition, there was the loss of eight days trading plus the loss of clients who went and found a new salon.

You get what you pay for is an old cliche but with plumbing its definitely true. If the salon owner had complied with the law and done what she ultimately had to do, in employing a licensed plumber to install compliant mixer taps with individual control valves at the connection point she would have had not a single problem. Even if she had still had a burst connector flexihose to the tap her insurance coverage would have covered all of her costs as would have the public liability insurance policy of the plumber.

Ultimately its always to your advantage to:

  • employ a licensed plumber and
  • make sure the products he installs are WaterMark and WELS compliant and
  • ensure you get a copy of the Queensland Governments, Queensland Building and Construction Commission (QBCC) Form 4 compliance certificate that the plumber must lodge and pay the $29.70 fee.

If you do all of the above you will never have a problem with an insurance claim being rejected because you have a paper trail for the assessor to follow. And I’m sure you will be surprised but our salon owner never received a new tap or any reply from the online store.

Tree Roots Flood High Rise

Tree Roots Flood High Rise

Tree roots in a stormwater drain causing localised flooding is an issue confronted by many homeowners, particularly during our summer storms on the Gold Coast.

So imagine the issues faced when the tallest commercial office building on the Gold Coast at 118m tall and with 27 floors above ground and five levels of basement parking gets roots in their drains.

tree roots in stormwater drain at 50 Cavill Ave Surfers Paradise repaired by Whywait Plumbing ServicesWell, this scenario is precisely what has occurred at the Gold Coast’s premier office building, GDI Property Group’s refurbished “50 Cavill Avenue” in the heart of Surfers Paradise on the corner of Cavill Avenue and Beach Road. High profile tenants at 50 Cavill Avenue include Channel 9, Mantra, CBRE and Regus.

As you can see in the photo on the right, 50 Cavill Avenue is indeed a prestigious office building with a great street appearance. Part of that appearance is a magnificent fig tree in a grassed area on the very corner of the property at the Beach Road entrance. The tree can be seen on the bottom right of the photo.

tree roots in stormwater drain at 50 Cavill Ave Surfers Paradise in 100mm pipe exposed by Whywait PlumbingUnfortunately, over the years since being transplanted onto the site, the tree roots of this beautiful tree had slowly but surely gained access to 50 Cavill Avenues primary stormwater drainage system.

Stormwater drains are a critical part of any building and are designed to comply with AS 3500.3:2015 to ensure that the materials used, the design, installation and testing of roof drainage systems, surface drainage systems and subsoil drainage systems will always work.

Unfortunately, as we frequently witness, the stormwater drains are installed not in accordance with the designs causing flooding.

This is in the main due to the fact that stormwater drains are inspected and certified by private building certifiers, rather than council plumbing inspectors which in our experience frequently means they are never inspected to ensure they are compliant.

Every summer after storms and massive rainfall events, we see the consequences of poorly designed, poorly installed and poorly maintained stormwater drains all over the Gold Coast. Stormwater drains like most plumbing are hidden underground so are easily overlooked until the summer storms arrive.

As you can see from the photos above and below on the left the tree roots infiltration at 50 Cavill Avenue is extensive inside these 100mm stormwater drains. The tree roots in these photos are more than 30m away from the fig tree and are perfectly formed plus being incredibly strong, requiring power saws to cut through them.

The process to rectify these drains at 50 Cavill Avenue is hugely complex. We have had to hydro excavate extensive areas of grass and soil to locate 50 Cavill Ave tree roots in drains repaired by Whywait Plumbing Serviceswhere the tree roots are entering the stormwater drainage system whilst at the same time protecting the Moreton Bay fig tree.

tree roots cause flooding at 50 Cavill Ave Surfers Paradise repaired by Whywait PlumbingThe photo on the right shows a 6m length of tree roots lying on the concrete floor that we removed that were utterly encompassing the entire interior of a 100mm pipe.

We are all aware we have had plenty of rain this summer, and that stormwater drains have been tested to the limit.

But you should never be complacent where your stormwater drains are concerned primarily if you have trees on your property or neighbouring properties. Infiltration by tree roots similar to what has happened at 50 Cavill Avenue can slowly sneak up on you if you are not vigilant.

Overflowing, slow draining or gurgling drains are your warning signs whenever you experience a rainfall event. They should never be ignored as they seldom go away and should be investigated immediately.

If you suspect your stormwater drains are not working effectively contact Whywait Plumbing now on (07) 5580 4311 to organise a site inspection to ensure, you have fully functioning stormwater drains.

Plumbing Urban Myths

Plumbing Urban Myths

A combination of disposable wipes, paper towels and toilet paper blocking a drain because they were unable to break down in water.

Plumbing urban myths abound these days with social media and media sensationalism.

For the plumbing technicians at Whywait it’s frequently hard to get clients to understand factual information because they have Googled their problem and found what is, in reality, a plumbing urban myth that seems to fit.

Unfortunately, plumbing urban myths abound and below are a few popular myths and the real facts:

  • Myth – disposable baby, kitchen or bathroom wipes and paper towels can be flushed down a toilet. Fact – The photo above is a pipe full of disposable wipes, paper towels and toilet paper that shows they don’t break down and degrade like toilet paper but pile up inside the drain and block your entire sewer drainage system.
  • Myth – loud banging noises in a hot water service are a warning sign that it is about to burst and leak.  Fact – unfortunately, there are no real warning signs that a hot water service is about to start leaking. If you do hear banging or rumbling noises coming from the actual storage tank it indicates that the loose minerals in the sediment in the bottom of the tank are causing air bubbles during the heating cycle and that in reality, your hot water service needs a 5 yearly service that includes flushing the tank of sediment.
  • Myth – Thomas Crapper invented the toilet.  Fact – No he did not invent it but made it work better with the flushing mechanism.
  • Myth – Water flushes in a toilet clockwise in Australia in the southern hemisphere but anti-clockwise in Germany in the northern hemisphere. Fact – No the actual design of the toilet bowl dictates which direction water flushes as such a small amount of water is not affected by the Coriolis Effect.

Myths are often fun but the reality is plumbing urban myths can be dangerous if taken as factual which is why plumbing problems should always be diagnosed and repaired by a licensed plumbing contractor.

Gurgling Drains

Gurgling Drains

Gurgling drains are a warning sign

Gurgling drains or gurgling toilets should never be ignored. A gurgling drain or gurgling toilet is giving you a friendly early warning sign that you are possibly about to experience blocked sewer drains.

Generally, the sounds of gurgling drains will be coming from your toilet or the bathroom floor waste drainage trap when you are using other plumbing fixtures. Simplistically, gurgling drains are similar to you experiencing an asthma attack because the drain is struggling to breathe.

Gurgling drains are trying to breath

gurgling drains caused by roots in drain repaired by Whywait Plumbing

Whywait Plumbing CCTV drain camera locating roots in a drain that were causing gurgling drains

When you experience gurgling drains or a gurgling toilet what has occurred in your underground sewer drains is that the drains are full of wastewater that is blocking or partially blocking the drains vent pipe that connects from your drain and extends up above your roof.

Therefore when you use any of your plumbing because the vent is not letting the drain breath, the drain creates a vacuum. The vacuum affects the trapping system in the toilet pan or floor waste trap or occasionally a laundry tub or overflow relief gully in an attempt to get air. Usually, only part of the water in the fixture trap is sucked out leaving the remainder of the water in the trap and it this water movement that causes the gurgling drains as air is sucked into the drain.

The interconnecting plumbing and sewer drainage system in your home is a straightforward system, but it must be able to breathe and get air into the system through your vent pipes. Many people believe that the vent pipe is a stink pipe to remove smelly sewer odours from the sewer drain. This is partially correct but the vent pipes other job is to equalise air pressures within your sewer drains and give you a balanced system that allows wastewater to flow.

Very simply whenever you flush the toilet or have a shower or turn your washing machine on the wastewater immediately runs into your sewer drains. Instantly in the drain, you get water and air displacement with a vacuum being created behind the flowing water that sucks air into the drain to equalise the pressure in your drain and allows the water to flow.

Gurgling drains should never ever be ignored as they seldom go away and should be investigated immediately by calling Whywait Plumbing now on (07) 5580 4311.

 

Plumbing Myths

Plumbing Myths

Plumbing myths are money spinners for us at Whywait Plumbing. But we wish they weren’t and you called us for advice first.

So often many of our service calls to blocked drains, broken water main pipes or flooded houses are caused by common plumbing myths and could have been avoided.

Our plumbing technicians constantly see the following plumbing myths causing problems that should never have occurred:

1. You used chemicals from the supermarket to “clear” a blocked drain 

Forget using chemicals such as Draino to clear a blocked drain because they never work. Even if by some miracle they do the problem will return that is a guarantee. There is no DIY solution to a blocked drain and its scary for our plumbers to work on a drain full of harsh and dangerous chemicals. If your drains are gurgling or slow to drain contact us for advice but please don’t waste money on chemical solutions.

2. You think the toilet is a rubbish bin as well

Don’t be fooled by labels that say they’re “flushable” because sanitary napkins, cleaning wipes, paper towel’s, toilet scrubbers, make-up remover pads or pet litter to name a few are in reality not suitable for flushing down the toilet. Very simply they don’t disintegrate quickly enough in the low flows of water flushed through the toilet and eventually will block your homes sewer drain.

3. You think advice from the nice man at Bunnings is all you need to fix plumbing problems yourself

Yes we know its easy to take a photo of your plumbing problem then go down to Bunnings and show the nice man there who will try to diagnose and fix the plumbing problem on the spot and sell you all the parts to do it yourself. We see this every weekend when our plumbing technicians go out to repair these DIY stuff ups. Remember the nice man or lady at Bunnings are not plumbers they are retail shop assistants with no qualifications. Calling Whywait the first time is frequently the cheapest option because as we constantly see DIY jobs are seldom repaired correctly and continue to give problems until we repair it.

4. You don’t have a leak protection or water monitoring system

These days a water leak protection system is not expensive, frequently costing less than the excess on your insurance claim. For Whywait to install a water leak protection system that prevents flooding with a main water shut-off should a leak occur in your water main, internal water pipes, hot water heater, dishwasher, laundry washing machine and more guarantees your home with a lifetime of protection.

5. Your hot water heater will last forever and never needs maintaining

Don’t be fooled into thinking your hot water heater will last forever because the average life of a Rheem or Dux HWS is 7-12 years. Yes you can extend their life by regular maintenance but you must have a regular preventative maintenance programme rather than waiting until a leak occurs because by then its too late. It is almost inevitable that your lack of maintenance will result in a leak while you are on holiday or while you are sleeping.

Remember plumbing problems never go away until proper repairs are undertaken.

Plumbing Guarantees

Plumbing Guarantees

Plumbing guarantees are a source of constant confusion. A guarantee of the fixtures and fittings installed is always carried by the manufacturer not the plumber who installed them. Ultimately all a plumber can guarantee is his workmanship and service levels.

When you use Whywait Plumbing we guarantee you many things and we stand behind all those guarantees because we want you to have a positive experience. At Whywait Plumbers Gold Coast, we enjoy a 95% customer satisfaction rating and this is why:

  • We show up on time.
  • We send only licensed and trained plumbers to your home, each one a full-time Whywait employee.
  • Training and development are ongoing events for every member of our staff.
  • You receive a guaranteed up-front price before we start any work.
  • Our equipment and tools are the latest and best in the business which helps us do our job better and with a better end result.
  • We keep our trucks well-stocked enabling us to complete most repairs with just one visit to your home.

We’re ensure you and our team members are protected by:

  • Maintaining public liability insurance coverage for $20,000,000 that protects your property should a part fail in your home or business.
  • Maintaining WorkCover insurance cover should one of our employees have an accident.
  • Providing warranty protection on the jobs we undertake for you.
  • Ensuring we are fully licensed as plumbing contractors in Queensland and New South Wales.
  • Investing in state of the art communications systems to answer your calls and dispatch our plumbers to your home or business.
  • Investing in modern vehicles that are correctly maintained.
  • Complying with the Fair Work Act.
  • Responding promptly on a 24 hour, 7 day basis to customers who call us in a crisis because they have a water leak, a blocked drain or have no hot water.

I urge you to ask questions about how you will be charged for plumbing services, insurance coverage and licensing before deciding which plumbing company to hire.  Because the more you ask, the more you’ll see that our family-owned and operated company stands head and shoulders above the rest in true value offered.

By Gary Mays

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