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| Home Organize Your Home The Organized Bathroom DIY Plumbing Repairs: A Reason for Homeowners Insurance
BathroomDIY Plumbing Repairs: A Reason for Homeowners Insurance
Why call a contractor to fix your plumbing? Since many home owner insurance policies don't cover the cost of plumbing repairs, many people attempt the repairs themselves - or hand it off to a high-priced professional skilled in something other than plumbing. Be a smart consumer. Hire the right professional.
A few years ago I had the misfortune of finding water seeping through a wall in my basement one spring. First this was blamed on a very wet season. Next, when dry weather came around and the leak was still there a basement waterproofing contractor was called in. It was no surprise when this contractor informed me that I had ground water and needed their expensive services. Since the company had a vested interest in me believing this they did not seem to feel the need to offer any other possible explanation. Based on the fact that the remaining 95% of the basement walls had no such problem a third opinion was in order.
Based on the proximity of the leak to the primary kitchen drain pipes a third contractor was called. After a short examination, the plumbing contractor was able to determine that the kitchen drain pipe was leaking (not where we could access it easily of course but behind a cinder block wall under a concrete slab).
The plumbing contractor then made an unexpected suggestion - call my insurance company before starting the repair. That was when he explained that the company would not pay for the repair, but they would pay for the cost of jack hammering up my living room, hall, and/or office floor to find the leak and cleaning up afterwards. He was also able to suggest an alternative solution that was cleaner and much less expensive and present it to the insurance company.
Two repair scenarios were proposed.
With both of these proposals on hand, the insurance company had no problem in justifying payment for the FULL SECOND OPTION (less deductible of course). The insurance company saved money, the home owner saved money, and the repair was accomplished within 2 days with a minimum of cleanup required.
This entire project demonstrated the value of a good plumbing contractor. They were able to quickly identify the problem, propose multiple solutions, and help justify the payment by the insurance company.
This repair also demonstrated the value of a insurance company. The insurance company was willing to accept and pay for an alternative solution as well as inform the home owner of all the expenses that should be recorded for reimbursement.
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