If your home was built before 1975, there is a good chance that you have cast iron piping/plumbing. Your plumbing isn’t something you likely think about until a problem occurs. Yet for many property owners, especially those in Florida, a cast iron pipe could mean significant risk. This type of piping was used in homes in the South Florida region before 1975.
If your home was built at this time or prior, and you have cast iron plumbing problems, you may have an insurance claim on your hands. Even if your insurer has previously denied your claims, you might still be owed coverage.
Common Damage and Symptoms Cast Iron Piping Cause
Your damage may be due to the failing cast iron pipes in your home. If you have any type of water damage, consider the following as you call for plumbing help.
Cast iron pipes — which were long used for their strength — can corrode, creating a dangerous situation for your home’s structural integrity. Problems caused by cast iron pipe failure include:
Water staining on your walls, baseboards, and drywall
Water damage in your carpeting
Water stained floor tiles
Warped or separated wood and laminate floors
Loose, tinted, raised or broken floor tiles
Sewer Back-Up Into Home
Slow or Clogged Drains/ Toilets flushing slower or needing multiple flushes
Replacement of Cast Iron Pipes throughout any damaged area within the home
New PVC piping to replace cast iron piping
Replacement of any damage to your home or property related to replacing your piping. This can include flooring, cabinets, trim work, etc.
Cast Iron Pipe Repair
Getting cast iron pipe repair can be costly, but if your plumber indicates any level of corrosion is present on your pipes, it is important to remove them. Corrosion will slow the pipe’s capacity initially. Over time, the pipes will collapse onto one another, creating a very risky flooding scenario.
Before You File A Claim with Your Insurance Company
Once you seek cast iron pipe repair, contact NCC. We will help walk you through all the steps of filing a claim with your insurance company for the losses. However, some may not be initially willing to handle the cast iron plumbing problem. If you have already been told your cast iron pipe claim is not valid, we encourage you to contact NCC immediately.
Insurance Company Denied Your Claim?
In many Florida homes facing corrosion issues like this, your insurance company is responsible for the cast iron pipe repair costs and could include any water damage caused by the pipes. We may be able to help you. Our adjuster will work with you and determine whether your home insurer is doing the right thing by denying your claim.
NCC will advocate for you, not your insurance company, to help you get the compensation owed to you.
How We Handle Your Hurricane Damage Insurance Claim
With all the disruption, confusion, and relocation a hurricane causes to not only your home but your life, a hurricane damage claims adjuster will be with you every step of the way.
We will meticulously document all of your losses to include any and all benefits afforded to you under the policy.
We will assemble a detailed estimate with individual line item breakdown with a list of all tasks using the latest price list in Xactimate software, the same software most carriers use as well.
We will handle the claim for you from the state to finish.
We set all appointments with the adjusters, meet with the adjusters, and point out all of the damage to them, so they don’t miss anything. This will get the carriers “undisputed” estimate up higher, which also raises the reserves on the claim, this detail will greatly help us get a larger final settlement.
We are with you during any recorded statement.
And, we complete all of the complex and confusing forms for you within the allowed time period.
Our process includes accounting for all damaged contents, additional living expenses such as eating out receipts because your kitchen is down, or if you need a new place to stay because your home is uninhabitable, NCC will manage and get all of the necessary paperwork submitted so you could get properly reimbursed for these expenses.
Steps We Take For You
Step 1: After you’ve obtained a full copy of your Homeowner’s insurance policy, we will help you understand your policy. We will help you understand your policy and the coverages that apply to your loss.
Step 2: We will file the claim on your behalf and set an appointment with your adjuster.
Step 3: We will prepare a written assessment and an adjuster’s report. This includes documenting the scope of repairs, materials, and costs needed to put you back into pre-loss condition.
Step 4: We will complete any and all paperwork, such as the Proof Of Loss form or respond to any and all insurance correspondence such as a Reservation of Rights.
Step 5: We will be with you throughout the whole process. We stay with you until the claim’s conclusion. We have good relationships with the carrier’s adjusters, and we will work to come to an agreement, whether it be amicable or moving the claims to mediation or appraisal (two forms of loss dispute resolution).
Contact Us Today For Immediate Help
If you have a cast iron pipe causing damage to your home, contact NCC. Allow our team to determine what is really happening at your home and whether you need to update or refile your cast iron pipe claim. We encourage you to seek help now by calling us for immediate support.