Insurance and Water Damage

8/15/2017 (Permalink)

According to the chart from Insurance Services Offices, water damage and freezing have increased and caused 60-80 percent of losses in 2003. An article appearing in the American Association of Insurance services magazine, Viewpoint, reports that the recent rise in water-related claims may claims may be due to modern building practices and increased homeowner luxuries. For example, it is not uncommon to find a full bath located on a n upper floor of a current-day home. In fact, second or third story lavatories are standard in many of today’s modern floor plans. This was not the case in floor plans of the past, however, where multiple baths were rarely found.

Some larger contemporary homes require multiple water heaters due to the size of the home and an increased amount of water fixtures. When a home requires multiple water heaters, one water heater, one water heater unit will often be placed in the attic to save space in storage or utility areas while still allowing rapid water distribution throughout the home. Water fixtures such as sinks, tubs, showers and water heaters located in an upper floor of the home. Water fixtures such as sinks, tubs, showers and water heaters located in an upper floor of the home can cause extensive damage if a simple leak develops.

The extent of damage is only amplified if the problem is more sever, such as a broken pipe or ruptured hot water heater. The increasing amount and location of water fixtures in recently constructed homes are two possible problems relating to rising water damage claims. The rapid growth and construction of apartment and condominium complexes, where several stories of living quarters, kitchens, bathrooms and laundry rooms are connected to surrounding units, also contribute to increased water claims.

In addition to increased amenities posing possible water predicaments in contemporary homes, modern building supplies and practices may also be part of the problem. As awareness and importance of energy conversation increases, building practices are becoming more energy efficient, which may actually hinder the drying process by restriction airflow. The Association of Insurance Services article, “Getting Soaked” notes current building materials are not necessarily effective in keeping unwanted water out of housing structures or in permitting the structure to dry properly once water intrusion has occurred.

Precaution, routine inspection and preventative maintenance can help minimize water damage. Below are some general tips to help reduce extensive water damage. Log onto SERVPROofsouthorangecountyfl.com for more information on water damage and water removal, including a complete list of water “Do’s and Don’ts”.