Will My Insurance Cover Water Damage Caused By A Running Faucet?

If your home has serious damage due to fire, wind, or water, call us immediately at 919-467-1991. We will show up soon and work fast to stop any further damage and begin the restoration process. We can work with your insurance company to make sure you pay as little as possible. We’re available around the clock, 7 days a week.

If a sink or bath tub faucet is left running accidentally, and water spills over the edge, don’t worry. This happens much more often than you might imagine, and it’s almost always covered by your homeowner’s insurance. Nearly every homeowner’s insurance policy includes coverage for sudden and accidental loss, which is exactly what water damage from a running faucet is considered to be.

It doesn’t matter whether or not it was your own fault or that of a small child playing on his or her own. We recently responded to two calls that involved an unattended running faucet, each with their own unique circumstances.

The first was a woman who was running water on frozen chicken in her sink when an emergency phone call distracted her from the task at hand. When she returned to the kitchen, the sink was full, and water was all over the floor. After she called PRS, we dried out her kitchen, and determined to serious damage was done, and that she didn’t need to file a claim with her homeowner’s insurance at all.

The other situation was quite a bit different. A family with a small child had gone out to dinner for the evening without realizing the child had been playing in the bathroom upstairs unsupervised. The tub was plugged, and the water was running for close to 5 hours. When the returned home, the entire living room ceiling had collapsed. After assessing the damage, we negotiated with the insurance company and began working on the damage. It was a lot of work, but we were able to dry the water soaked home and rebuild the floor and ceiling. When we were finished, everything looked as good as new.

If there’s ever any kind of water damage to your home, it’s recommended that you contact a professional. We’re available 24/7 through our emergency hot-line at 919-467-1991. Our trained and certified professionals will be able to determine the severity of the damage and work with your insurance company to keep your out of pocket costs to a minimum. As licensed contractors, we’ll not only be able to rip out all of the damaged drywall, and any other affected structure, we can rebuild your home as good as new.