We’re going to cut right to the chase: if you notice water damage from a plumbing leak or pipe burst, don’t delay in reporting it (or fixing the issue pronto!). If the damage is significant enough to require an insurance claim, you don’t want to give them any reason to deny coverage. Here’s why.
One of the most common exclusions in homeowner’s insurance policies is language that disavows coverage for long-term, constant or repeated leakage or seepage of water.
If you wait too long to report a plumbing issue, the insurer may argue that the damage was caused by a long-term leak rather than sudden and accidental water damage. By reporting the problem as soon as you notice it, you help establish that the damage was indeed sudden and accidental, which will help increase your chances of having the claim approved.
Why Timely Reporting Matters
Homeowner’s insurance policies are designed to cover sudden and accidental water damage, but that coverage often hinges on how promptly you report the issue. Delaying action could result in your claim being denied for reasons such as neglect, long-term damage or unresolved maintenance problems.
Moreover, failing to notify your insurer promptly could violate the terms of your policy and lead to a denial. Insurers expect homeowners to act quickly to minimize damage and prevent further issues, and a delay in reporting can be seen as a failure to take reasonable care of your property. They may cite one of these common reasons for claim denials, including:
- Neglect – Insurers may argue that you neglected routine maintenance, thereby allowing the plumbing issue to worsen.
- Failure to mitigate damage – Homeowners are expected to take steps to minimize further damage after an incident. If you wait too long to report or repair the issue, the insurer may deny your claim on the grounds that you didn’t mitigate the damage.
- Long-term leaks – As previously mentioned, insurance policies often exclude coverage for long-term water leaks. Delayed reporting can make it difficult to prove that the damage was sudden and not ongoing.
When you notice a plumbing issue, act quickly and follow these steps can help ensure your claim is successful:
- Stop the source of water – If it’s safe to do so, immediately turn off the water to the affected area or the entire home to prevent further damage.
- Document the damage – Take photos or videos of the damage as soon as possible. Document the cause of the damage (e.g., a burst pipe), and keep any receipts for repairs or emergency services. This documentation will be crucial when filing your claim.
- Contact an attorney and your insurance company – The sooner you report the issue, the better your chances of having your claim processed smoothly. Even better to partner with an insurance law attorney from the outset.
- Make temporary repairs – To prevent further damage, you’re typically allowed to make temporary repairs (like patching a pipe or covering a leak) before the insurance company inspects the damage. Keep all receipts and records of these repairs for reimbursement.
Throughout the process, keep track of any communication with your insurance company, repair professionals and inspectors. Having a clear timeline of events and documentation will help further support your claim.
Contact Us at Kandell, Kandell & Petrie Law for Help
Insurance companies sometimes use reporting delays as a reason to avoid paying out claims, even when the homeowner acted as promptly as possible. A lawyer experienced in Colorado insurance law can help you navigate the insurance claims process and ensure that you’re treated fairly by your insurer. Contact us todayto speak to one of our Denver claims advisors to discuss your questions and concerns.
