Four Main Causes of Home Water Damage

The typical home provides a number of opportunities for water damage to strike. Maybe that’s why more than one-third of the homes in the U.S. have already experienced losses due to water damage at one time or another. The average homeowner’s insurance claim for water damage is nearly $7,000—and that doesn’t count claims due to outdoor flooding that isn’t covered by standard insurance.  Water is a destructive force whenever and however it’s turned loose inside a home. From the common to the catastrophic, here are four principle causes of home water damage.

  • Plumbing failures. Broken plumbing pipes wreak the most water damage in houses. The damage potential from plumbing defects exists in everything from supply lines leading to sinks or toilets to washing machine hoses, ice makers, water heaters, etc. Any leakage or seepage from pipes or appliances is a red flag that should not be ignored. Contact a qualified plumber immediately.  
  • Roof issues. Damage from roof leakage is often unseen and limited to the attic—at first. By the time it becomes obvious in living spaces below, substantial structural damage as well as other issues such as mold contamination have already taken their toll. Scheduled roof inspections by a professional and occasional trips to the attic to look for signs of leakage are the best preventive measure to avoid or limit water damage.
  • Ground water intrusion. If you live in an area with a naturally high water table, damage may occur as water rises up through the foundation or crawl space beneath the house. Installation of a sump pump in the basement or crawl space is the best recourse to remove ground water before significant damage occurs. In more difficult cases, underground drainage systems may need to be installed.
  • Weather-related disasters. Know your risk. Check FEMA flood risk maps to determine the potential for flooding in your area. Make sure you carry adequate federal flood insurance to receive compensation for flood water damage (standard insurance policies do not cover it).  If you live in hurricane country, take steps to reinforce the home against wind and a deluge of water.

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