Are you the victim of a slab leak? While this term is common, it is commonly misconstrued. In most cases, this is where water appears on a building’s slab, which is the concrete on the ground level. The leak is either in plumbing inside or below the slab. This results in water entering from the building’s exterior. Once the water appears on the surface of the slab, it may have already consumed considerably larger damages. Whether or not your homeowner’s insurance covers the damage depends on many factors. Here at Mutual Claims Services, we are here to ensure you get the coverage you deserve. We know how to get you money for water damage Miami.
Some Claims That Are Not Usually Accepted
Do you currently live in an area that is prone to flooding? This is quite common living in cities near the coast of Florida. Because of this water may appear on your slab due to the result of general area flooding. If you have flood insurance perfect! The flood insurance covers the repair, and you are able to claim on that policy. The same can not be said if you don’t have flood insurance. Your insurance company will likely reject a claim on your homeowner’s policy for water damage that results from flooding, even if you live in low-risk areas where the insurance for flood is not required.
Claims That Are Accepted For A Slab Leak
What happens if you have plumbing running under or through your building’s slab and it randomly bursts? In many cases your homeowner’s insurance will cover repairs associated with the water damage. It may or may not include the cost of the plumbing repair, though. An insurance company may consider a leaking pipe as ordinary wear and tear. This is even if they pay for the resulting damage. You are sometimes still responsible for the plumbing. For more assistance on any confusion you may have, reach out to our professionals on water damage Miami.
Is It Bad Luck or Negligence?
Even if you are a responsible homeowner who maintains your residence and promptly repairs any of the building’s mechanical or plumbing services, pipes may still burst, and water damage may occur. If, however, you aren’t diligent about keeping your building in good repair, your insurance company may be less sympathetic when you file a claim for water damage. If, for example, you’ve noticed that water has appeared on the surface of the slab for some time and have just mopped it up until recently, when cracks appeared in that area of the slab, your insurance company may reject your claim entirely. The damage, it may argue, is either entirely or largely the result of your negligence.
You Must Up Your Chances
The second you notice a leak on your slab, file immediately. It is better to be early even if you are not sure that any actual damage has occurred. Your plumber may subsequently discover that a burst pipe has already weakened a section of structural slab, necessitating an expensive repair. If you are not sure where the water is coming from, but it does not appear to be the result of external flooding, note that on your claim flood damage is not covered by your homeowner’s policy.
Contact Us Today
When it comes to dealing with slab leak, we are experts with aiding individuals to get compensation for water damage Miami. Mutual Claims Services is here for you. Call us today for more information.