214-227-5719
VIDEO (Click on screen to view)
3960 Broadway Blvd. Suite 220-D
Garland, Texas 75043
Fax: 866-762-1432
E-mail
service@inhouse
plumbingcompany.com
PAYMENT METHODS ACCEPTED
ACCREDITATIONS
MASTER LICENSE #
M-5556
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Homeowners Insurance Coverage (123)
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1. Would my Homeowners Insurance Company/Policy
cover any of the cost associated with the plumbing
repairs?
In the past, most Homeowners policies covered the
majority of the costs to repair these types of leaks,
However at this time, most of the companies have taken
this type of coverage out of the policies. If there is
coverage, typically the Insurance Company would pay for
the Testing, Location/Isolation, and the Access/Egress
portions of the repairs. You the homeowner would be
responsible for the deductible and the plumbing cost to
repair the actual leak(s). Please see question #4 for
more important insurance information.
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2. Would my Homeowners Insurance Company/Policy
cover any of the cost associated with foundation
repairs?
Foundation repairs are not covered in any policy,
However if the Insurance Company determines that there
are leak(s), and that there is coverage for those
leak(s), than they may do an investigation to determine
if the leak(s) caused the foundation damage. Only if
there is coverage for the leak(s), and if it is
determined that the leak(s) caused the foundation damage
would they cover some or all of the foundation repair
cost. In our experience it is very rare that someone
would receive any coverage for foundation repairs.
However, this investigation cannot be completed by the
insurance company unless the evidence to investigate is
still intact, meaning that no foundation work can be
completed until the insurance companies investigation of
the evidence is complete. Once the foundation repairs
have been completed, the insurance company will not be
able to perform the proper investigation to determine if
the leak(s) may have caused the foundation damage. With
this in mind, if you would like to get help from the
insurance company on foundation repairs, they must be
contacted and given an opportunity to investigate the
damage prior to any foundation work.
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3. How would I go about finding out if my
homeowners insurance policy covers these types of
repairs?
It is important to be very careful how you determine if
there is coverage in your Homeowners Insurance policy.
If you call the insurance company and let them know you
have a leak, and ask them if it is covered, they could
file a claim to determine if it is covered. Therefore
you could end up with a claim on your record, and get no
help from the policy. Because of this, we suggest that
you call the agent personally, and explain to him/her
that you know someone who has leak under the slab of his
or her home, and found out that there is no coverage in
their homeowner's policy for these types of problems.
Then explain to them that you want to know if your
policy would cover anything like that. This method puts
it back on the agent to sell you the policy all over
again. They cannot afford to put a claim on your record
in this type of situation.
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4. Important Insurance Coverage Notes
1. It is important to note that if you have a deductible
of $1000.00 or more, it may not benefit you to file a
claim. It really depends on how many leak(s) you have,
and where those leak(s) are. Therefore we suggest that
you have a leak(s) Isolation performed first, then an
informed decision can be made on whether or not the
insurance company is needed.
2. If the insurance company does cover some or all of
the costs, and a claim is filed, the process can take
anywhere from 2 weeks to 4 months.
3. If you are selling the home, with the insurance
market in Texas now, a claim on your insurance policy
could cause the new homeowners not to be able to get
insurance coverage.
4. If you are looking to get insurance coverage, you
cannot do any foundation repairs until the insurance
company has performed an investigation. Part of the
normal investigation process is repairing the leak(s),
which means you may get all the way through the process,
get no coverage on plumbing or foundation, and end up
having a leak(s) after the foundation repairs are
completed. This would mean you repaired the leak(s) 2
times and got no money from the insurance company. This
is a very legitimate possibility.
5. The insurance company may require their investigation
plumber come to the property and perform the leak(s)
isolation/location testing and report back to them on
the findings. The insurance company has the right to use
whoever they choose to perform the investigation work
needed on the plumbing system, however you the homeowner
have the right to use whoever you want to make the
repairs needed to the plumbing system(s). Therefore if a
separate plumber is obtained for investigation purposes,
they will locate the leak(s) sights, report these
sight(s) to the insurance company along with a repair
method option and price. In-House Plumbing & Services,
LLC will repair the leak(s) located for the same price
the insurance plumber quotes, unless our normal repair
price is less, at which time we will repair them for our
normal repair price.
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