When it comes to foundation leaks, the insurance policies are limiting some of these claims. Most policyholders are more concerned with the cost of the plumbing repair and less concerned for what actually makes these claims covered. Most policies exclude plumbing repairs. What triggers coverage for these types of claims is the water or physical damage caused by the leak or backup. Without the damage as a result of the leak, there is no coverage under most policies. Therefore, it is important that we inspect the damage as soon as the leak occurs to document the damage that will trigger the coverage needed to access the plumbing repair.
We use our infrared camera to document such damages. We have a trained eye when it comes to finding the trigger for coverage. Most policyholders will assume the claim is for the plumbing repair, but this is not covered under most policies. With these types of claims, the policyholder will have to hire a plumber to run a camera or make temporary repairs. We advise our clients of the best way to handle each specific situation.