Water Damage Nightmares
Water may be great for humans but it's the enemy of your home.
Keeping your home dry is one of the most important home maintenance jobs. If a leak is running under your sink base cabinets, you're facing possibly thousands of dollars of damage. When water comes into contact with carpeting, paper, wood and dirt rot and mold starts to grow. Depending on the materials and the temperature, mold can begin in a day or two rot takes longer.
Repairing or replacing rotten or moldy structural wood, engineered wood products, drywall and carpet will set you or your insurance company back a small fortune. Always remember every homeowner policy has a deductible most several thousand dollars. Most water causes goes unseen until too late. Leaks can go unnoticed for months or even years before someone notices the damage. Sometimes the most difficult part is finding the source of the leak.
Homeowners can prevent mold and water damage by checking:
- Malfunctioning dishwashers
- Washing machines hoses
- Seals around water faucets where they sit on the counter
- Leaky pipe fittings
- Under counter water filters
- Old or stuck supply valves
Will insurance cover it?
For an insurer to cover your claim for water-related damage, the cause must have been "sudden and accidental," says Jeanne Salvatore, of the Insurance Information Institute. If your kitchen floor rotted because you put off fixing a leaky kitchen sink, for example, you're probably not covered. "It's considered your responsibility as a homeowner to maintain your home," Salvatore says. On the other hand, if you maintained your pipes and kept up with your home's maintenance but one winter the pipes burst, the damage will be covered under standard homeowners insurance, Salvatore says.
One of the best ways to protect your self against water damage within your cabinets is to install a water proof cabinet mats that collects the water. Also as an added precaution I suggest purchasing a water detector that will alarm when water has been detected within the mat.
By doing so you are taking the necessary steps to prevent water damage to your cabinets and surrounding areas. Being proactive is cheaper and easier than, tearing out and replacing your flooring, kitchen cabinets and counters because of an undetected leak from a pipe.