- Insurance companies must have “wear and tear” tattooed on their foreheads at this point.
- I had a pipe burst last winter—one minute I’m making tea, next minute my kitchen’s auditioning for Waterworld.
- Plumber’s report said “sudden failure due to pressure spike.” That magic phrase got my claim moving, but only after I sent them 17 photos and a video of the geyser.
- If you’ve got any paperwork from the repair, definitely send it in. The more dramatic the language, the better. “Catastrophic” seems to be their kryptonite.
- If they’re trying to deny without even looking? Push back. I once had an adjuster try to settle everything over email... until I invited them to wade through my living room in galoshes.
- Side note: if you end up replacing drywall or flooring, look for recycled or eco-friendly options. Not only is it better for the planet, but sometimes it’s cheaper too (plus, you get to brag about your green credentials at dinner parties).
- Bottom line: don’t let them brush you off with “old pipes.” Pipes don’t just decide to explode for fun—unless mine are extra dramatic.
“Pipes don’t just decide to explode for fun—unless mine are extra dramatic.”
You nailed it. Pipes fail for a reason, and “wear and tear” is a catch-all they use way too much. Good call pushing back with documentation—photos and repair reports go a long way. Keep everything organized. Also, if you’re replacing materials, double-check for any hidden water damage. Mold can sneak in fast if things don’t dry out properly. Better safe than sorry, even if it means waiting a bit longer for repairs.
“Mold can sneak in fast if things don’t dry out properly.”
That’s the bit people overlook—mold loves a damp, hidden spot. I’ve seen folks patch drywall too soon and end up with a science experiment behind the wall. One thing I’d add: check baseboards and under flooring for soft spots. Water likes to travel, and it doesn’t always take the obvious route. Sometimes you think it’s just a small fix, but then you start poking around and... surprise, it’s a whole project.