Our toilet shut-off valve started leaking this past week. I replaced the valve tonight to stop the dripping, but I’m worried about the damage. Will insurance cover cutting out the wet drywall, cleaning any mold that might have grown behind the wall, and possibly repairing the subfloor?
I wouldn’t file a claim for this. You’re better off fixing it yourself or hiring a contractor for what you can’t handle. Filing a claim for something under $10k could raise your premiums or make it harder to get insurance in the future. Insurance is really for bigger, catastrophic losses.
Blayne said:
I wouldn’t file a claim for this. You’re better off fixing it yourself or hiring a contractor for what you can’t handle. Filing a claim for something under $10k could raise your premiums or make it harder to get insurance in the future. Insurance is really for bigger, catastrophic losses.
Agreed. You could file a claim and probably get some help, but it’s not worth it. You’ll end up paying more in the long run with higher premiums, and it might make it harder to switch insurers later on. It’s better to handle smaller home maintenance issues out of pocket.
Insurance might cover it, but unless the cost is significantly more than your deductible, you’ll be better off paying to fix it yourself.
A slow drip from a valve causing mold damage in a week seems unlikely. If there’s a lot of damage or mold, it’s probably been leaking for much longer. Insurance might not cover it if it’s considered long-term damage. Considering your deductible, I wouldn’t recommend filing a claim for this. A one-time water leak like this shouldn’t cause enough damage to the subfloor to require replacing the tile.
Mold growing in just a week? That seems unlikely unless the conditions are perfect.
Paxton said:
Mold growing in just a week? That seems unlikely unless the conditions are perfect.
I looked it up, and mold can start growing in as little as 24 hours.
Paxton said:
Mold growing in just a week? That seems unlikely unless the conditions are perfect.
I looked it up, and mold can start growing in as little as 24 hours.
Yes, but it usually needs the right conditions to grow quickly. Mold typically shows up when there’s been a long-term issue.
Noel said:
Our toilet shut-off valve started leaking this past week. I replaced the valve tonight to stop the dripping, but I’m worried about the damage. Will insurance cover cutting out the wet drywall, cleaning any mold that might have grown behind the wall, and possibly repairing the subfloor?
