Pipes Produce Problems
Cast Iron Pipes
Cast-iron pipes are present in a lot of older homes built in the 1950s through the 1970s. The cast iron in the drain lines can break down causing toilets and other drains to be slow or overflow into your home. Most insurance policies have exclusions for water that backs up through sewer drains. This exclusion however has been ruled by Florida forward to mean sewers which come from the middle of the street and back up into your house. Water that backs up through your plumbing system including sinks, toilets, bathtubs and washing machines are not considered part of the exclusion. Nevertheless, insurance companies year after year continue to make claims for drain line overflows. They call them drain line backups and exclude them. This loss should not be denied. If you have water that has overflowed a sink, toilet, bathtub or washing machine this is a cover cause of loss and if your claim has been denied please contact an attorney immediately. This is something that should not be ignored, and your rights can be pursued.
Pinhole leaks are tiny, destructive openings in copper pipes. Although many plumbers now use PEX piping, millions of homes still have copper pipes. Pinhole leaks can cause the entire plumbing system to fail. They happen when corrosion inside a pipe gets severe enough to reach the pipe’s exterior. It can occur if the velocity of the water going through the pipe is very high, or when pipe fittings are too close together.
Misplacement of pipe fittings may be considered a construction defect due to poor workmanship. Dripping noises or higher water bills are indications of pinhole leaks. Mildew or water stains on walls, as well as areas of mold, are another clue.
Copper pipes are usually in the walls and are the supply line of the water in your house. These are pressurized lines that spring pinhole leaks and caused water to flow in your walls unbeknownst to you. Sometimes they are more noticeable, and cause a sudden gush of water. Other times a leak can occur in the walls, causing extensive damage. Please be cautious around your home and noticing any signs of moisture in the walls including staining discoloration, musty smells, flies or anything unusual. Insurance companies often try to deny these claims if they believe that the leak was ongoing for 14 days or more. It is important to report your claim to the insurance company immediately as soon as you notice the leak. If you notice a leak ongoing for more than two weeks and fail to report it your claim may be properly denied.
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