Protect Your Home from Water Damage

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Did you know, water damage is more likely to occur in your home than fire damage? We protect our homes from catastrophes, but water damage could be just as dangerous.

Plumbing leaks are common anywhere there is running water, such as:

  • Toilets
  • Faucets/Sinks
  • Dishwashers
  • Ice makers
  • Water heaters
  • Tubs/showers
  • Washing machines
  • Internal pipes and hoses

Water damage isn’t only a problem financially; it can lead to serious health risks from chemicals, toxins and mold, such as rashes, asthma or other chronic health conditions. Additionally, recent studies have shown that children with prolonged exposure to water damaged rooms in their home are at a higher risk of developing eczema.

Whether from a slow leak or flooded basement, water damage can be devastating, but there are things that a homeowner can do to mitigate or minimize the extent of the damage.

  • Check for leaks or cracks in hoses that run to the washing machine, dishwasher and refrigerator at least once a year and replace these hoses every five to seven years.
  • Be sure the caulking around tubs and showers is free of cracks.
  • Know where your water main is located and how to shut it off.
  • Install floor pans under appliances to prevent damage from slow, undetected leaks.
  • Use water leak alarms, which will alert you to a leak in basements, laundry rooms, bathrooms, kitchens and sump pumps.
  • Buy a water flow monitoring system, which attaches to your water main and, if flow that exceeds normal use is detected, will automatically shut off the flow of water into your home.

Investing in your aging infrastructure

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Aging infrastructure is a growing concern for homeowners in North America and many communities took note of the problems facing not only city infrastructure, but homeowners as well.

While Canada is home to only 0.5% of the worlds population, it contains approximately 7% of the worlds renewable water supply according to Environment Canada. For Canadians, water and sewer lines that bring fresh water and remove waste are essential as Environment Canada identified Canada as one of the highest water uses per capita in the world. A pinhole leak in a water pipe can release thousands of gallons of clean water into the ground. In areas prone to excessive heat and droughts, water is a precious resource few can afford to waste. Additionally, a leaking sewer system can release thousands of gallons of ground pollution into the environment if left broken. People rely on these lines daily to bring fresh water and remove waste from their homes. Their continued functionality is essential to everyday life and maintaining the health and environment of all communities. 

Environment Canada estimates up to 30% of the total water entering supply-line systems is lost to leaking pipes.

While we can’t completely prevent failures to service lines, homeowners can protect their infrastructure with programs like Service Line Warranties of Canada’s warranty program.

For more information, please visit:

Environment Canada
http://www.ec.gc.ca/default.asp?lang=En&

Water Use
http://ec.gc.ca/eau-water/default.asp?lang=En&n=2AE761EC-1 

Water Wise
http://ec.gc.ca/eau-water/default.asp?lang=En&n=F25C70EC-1

Sewer backups could lead to health problems

Ill man with a feverRaw sewage left untreated contains a variety of pathogens, chemicals and nutrients – many of which pose a serious health risk. Additionally, research shows billions of gallons of raw sewage flow into waterways every day, putting the health of millions of people at risk.

When sewage backs up into the home, the overflow leaves behind germs on the surfaces with which it’s been in contact. The degree of danger depends on how long the sewage was in contact with a surface, the type of materials contaminated by sewage and how long the occupant was exposed to the sewage. Left untreated, exposure to sewage could leave you with gastrointestinal (GI) distress, hepatitis, skin rashes or infections. In extreme cases, sewage can also contain rat urine, which could lead to Weil Disease – which can result in liver and kidney damage if not treated and can be fatal.

While sewage germs are rarely airborne, in an emergency it’s important to seal off any backups until a professional can rectify the situation. If you must handle raw sewage to clean, always use protection, including rubber gloves, eyewear, long pants and a long-sleeved shirt. If available, a breathing apparatus is highly recommended.

If you discover a backup, remember:

  • Contact your warranty service provider and/or a local professional about the situation.
  • If there is standing water near electrical appliances or outlets, turn off the power to that location.
  • Do not flush toilets or drain sinks. If you must continue using sinks, plug the drain or use a bucket until the drains have been cleared.
  • Keep children and pets away from the sewage.
  • Wash your hands immediately after coming into contact with raw sewage and never touch it without gloved hands.
  • If your home has a septic system, contact the local health department for advice on how to properly dispose of the water/sewage.
  • Contact a professional to clean up large jobs to ensure you eliminate the possibility of health risks.

Average Cost of a Service Line Repair or Replacement

iStock_000000798259Large - BackhoeAs a property owner, you are responsible for maintenance of the water and sewer lines that run from the exterior of your home to the public utility connection. Should a line for which you are responsible break, spring a leak or clog, the repair can cost an average of $2,600 or more. If a sewer line breaks under the street before the tap (which is still the homeowner’s responsibility), the repair could be $10,000 or more. That’s an out-of-pocket expense that is both unanticipated and can wreak havoc on a family budget.  Usually repairs to the service lines on your property are not covered by a homeowner’s policy and the city in which you live is only responsible for public service lines. 

As a homeowner, you are responsible for the portion of line beneath your property that runs from the main connection to your home and like most repairs – if this line breaks it can be a very expensive repair. But just how expensive?

While actual costs may vary, HomeAdvisor.com shows that the national repair average of a sewer line repair is approximately $2,600 and approximately $1,030 for a water main. Keep in mind these are national averages for repairs and a variety of factors contribute to these costs such as the length of the line, depth and location of the problem.

Let’s take a look at what kind of factors contribute to a line replacement.

  • Problem Identified – Maybe you smelled raw sewage or noticed extreme damp spots in your lawn. The bottom line – you know there’s a problem and now you need a plumber.
  • Locating a Plumber – If you’ve never had the need for a plumber before and aren’t currently enrolled with a repair service, the process begins with combing through local plumbers to find an affordable and trustworthy plumber in the area. Your research might include whether they are licensed to do business in your area, whether they are knowledgeable to obtain permits to dig and verifying their accreditation status with the Better Business Bureau.”
  • Evaluation – Once you locate a plumber (or two), you’ll need to assess the situation. The plumber will come out and inspect the line and determine the problem. They’ll likely give you a quote and you may want to get a second opinion depending on the cost.
  • Factors Affecting the Cost –  There are a number of factors that contribute to the cost of a repair – such as the length of the line, location of the problem, and general plumber fees. Much like going to a mechanic or lawyer, you will have to pay people for their time and depending on how long the repair takes, the costs could add up quickly. The type of pipe you have may also affect the cost. It’s possible in some older homes you are using outdated pipe that is difficult to repair, resulting in a replacement need. The location of the problem can also cause headaches during a repair. It could be in a difficult-to-reach location, buried deeply under the earth or possibly the result of root intrusion from poorly placed landscaping.
  • After-the-fact Costs – Once the repair is made, it may not be the end of costs. If you had an unknown water leak you could be responsible for a hefty water bill if the leak went unnoticed for quite some time. Additionally, if the leak was significant enough, there may be landscape damage needing to be repaired. 

Replacing lines often requires digging, which involves a long, deep trench or trenches to remove the old pipes and install new ones at a cost of approximately $50-$250 or more per foot, depending on the length of the line, depth of the pipes, ease of access, local rates and code and permitting requirements. An average sewer replacement from the house to the public sewer system can cost upwards of $3,000; however, if the repair is complicated or the pipe is in the street it could be upwards of $7,000 to as much as $25,000 or more. CostHelper readers report paying $4,500-$13,000, or $50-$100 for per foot traditional replacement of 50′-100′ of sewer line, for an average cost of $7,493, or $106 per foot.

However, not all repairs require digging. Many plumbers offer trenchless sewer replacement, which uses a machine to push the old pipe out while installing a new pipe at the same time. Though less invasive on your yard, the cost can still run between $60 and $200 per foot, or an average of $3,500 to $20,00 per household. CostHelper readers paid an average of $232 per foot.

The bottom line – a water or sewer line replacement isn’t as simple as one phone call to a plumber on your own. There’s research, quotes, phone calls and hassles, which could be eliminated with warranty repair services.

 

 

Do I need a water or sewer line warranty?

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It’s not uncommon to have homeowners tell us they don’t need a water or sewer line warranty because their lines haven’t broken and will never break. While we’ve uncovered this is far from the truth – many homeowners are unsure if they need a water or sewer line warranty. When evaluating whether or not to purchase a water or sewer line warranty, homeowners must first understand the coverage details. Warranties are not the same as insurance. While insurance typically covers damage to personal property as a result of service line failures, disasters and extreme circumstances (such as fire, flood, etc.), warranties focus on normal wear and tear – such as aging, ground shifting and tree root intrusion. Problems due to normal wear and tear with the sewer and water lines located outside the home are usually not covered under traditional homeowner’s insurance policies and could be very costly to replace or repair.

When considering whether or not to invest in a water or sewer line warranty, consider the following:

Age of the home
It’s common knowledge as products age, the failure rate increases. While newer homes with PVC pipes may be at lower risk than a 50-year-old home with clay pipes, the age of your home can help determine your need. As homes age, so does the infrastructure supplying water to and removing waste from them.

Types of pipes and length of lines
Do you know of what materials the water and sewer lines inside and outside of your home are made? Some materials are more prone to problems and have shorter life expectancies than others. Knowing what the lines are made of can help determine the level of risk. In addition, the longer the line, the greater the risk of failure and the higher the cost to replace them.

Weather
Weather conditions can affect a pipe’s life expectancy and conditions as they swell with changes in temperature and ground shifting. If the area in which you live is prone to heavy rainfall, droughts or extreme temperature changes – your infrastructure could be at risk.

Plants
The closer your water and sewer lines are to the ground’s surface and  plants and trees, the greater the chance of roots permeating the pipes. It only takes a small pinhole for a root to begin to infiltrate the line, which may result in a leak, clog or break.

Cost
What is the cost-benefit ratio? Should you pay a small monthly fee for the warranty or do you have enough in your emergency fund to pay for a repair that could cost from $1,300 to $3,500 or more?

Fine Print
Check out the Terms and Conditions of the warranty. Do they adequately cover your particular situation?

Company
Before buying any product, do your homework; research financial stability, outstanding consumer complaints, etc.

Time
One of the many benefits of participating in a maintenance or warranty program is the ability to make one call to solve the problem. If your service line breaks, consider the time invested in locating a qualified, local plumber and scheduling the visit, which may require taking time off from work and is disruptive to your daily routine.