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There are several types of homeowner insurance policies, and all of them are fairly comprehensive. At the very least, these policies protect homeowners from financial loss that is the result of an accident or an act of God (also known as a force majeure). This includes damage caused by earthquakes, hurricanes, and volcanic eruptions, as well as events that were beyond the control of the policyholder, such as strikes, riots, wars, or crimes. Most homeowners' insurance policies also cover damage that was the result of vandalism, theft, or malicious mischief. They may even compensate owners if their personal possessions or the contents of their homes were damaged or destroyed as the result of any of the accidents or illegal activities previously mentioned. However, when it comes to water damage, these policies can be rather ambiguous. Most of them will cover emergency issues, such as a burst pipe or leak repair, but they may not pay for long-term problems the owner did not repair in a timely manner. It is for this reason that it is important to address these issues as soon as possible. There are several major types of loss claims that are plumbing-related. Sewer Leaks As you might expect, sewer leaks are generally easy to identify because they are often malodorous. Even a minor one can stink up an entire floor of your home, making it virtually uninhabitable. In addition to the smell, they may also cause discoloration and dampness or wetness to walls, ceilings, or floors. These problems should be addressed as soon as possible, which often entails an inspection, leak detection, cleaning, and repair from licensed plumbers. Plumbing Leaks Because they seldom stink, ordinary leaks are often much harder to detect than the sewer variety. The first thing most homeowners notice is an increase in their monthly water bills for no apparent reason. Upon investigation, they may discover mold growing on cabinets or walls as the result of dampness or wetness. When the problem is ignored or overlooked, it may cause chronic sewer backup problems or cracks in your home's foundation. Mildew or moisture under carpets or flooring may also be an issue if the damage is not addressed. Swimming Pool Leaks Because they hold a lot of water that produces a lot of pressure, even an aperture the size of a pinprick can cause the average swimming pool to lose hundreds of gallons of H2O each day. The damage may be in the shell of the pool or the plumbing under and around it. If one-fourth of an inch or more of water is escaping from your backyard basin each day, it is important to contact pool plumbers as soon as possible. Any delay could result in much greater repair costs. If you have or suspect a plumbing leak in any of the aforementioned areas, you must contact licensed plumbers as soon as possible. Failure to do so could result in denial of your claim for damages and repairs from your homeowners insurance provider. When looking for plumbers, Sacramento residents consult Rapid Rooter Plumbing. To learn more, visit https://rapidrooter.biz/.
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