Is Your Shower Pan Leak Covered by Insurance?

Your shower is generally a place to relax, unwind, and destress. That is unless, of course, your shower pan leaks. Unfortunately, the shower pan, which serves as the floor of your shower, can be damaged, leak, and cause damage to the floor underneath it. The good news is that it’s relatively rare for this to occur. The bad news is that it may or may not be covered by your insurance policy. 

If your shower pan has leaked, you can file a claim with your insurance company. The company will send out an insurance adjuster who will then come to your home and investigate the damage. However, since this individual has been hired by the insurance company, they will likely underestimate and find minimal damage so that their client (your insurance company), will have to pay out as little money to you as possible. The less money the company shells out, the more profit it will make. This is a clear incentive for making claims more difficult and spending as little money as possible.

A Public Adjuster Can Help Your Water Damage Claim

For this reason, you’ll want to get in touch with a public adjuster who can provide an honest assessment of the damages and look at your needs for purposes of adequate compensation to repair or replace what must be fixed in a quality manner. Public insurance adjusters have both the knowledge and experience necessary to bring their assessment up against that of the insurance company. 

Whether your insurance company will compensate you for your shower pan at all is another story. Insurance companies generally won’t cover the damages associated with failed items. In this case, since your shower pan failed, causing the damage, it’s unlikely that it will cover the cost of the pan. But if your policy covers water damage, it will likely still cover whatever water damage was caused by it. Put simply, it’s likely that your insurance company will not cover the shower pan but will cover the cost to repair damage to the floor under it. 

Always Try to Mitigate Further Water Damage

It’s extremely important to remember that if you experience water damage, you must do whatever you can (within reason) to try and prevent more damage from occurring. You can be denied any compensation if your insurance company finds evidence showing that you failed to take any actions to prevent more water damage. 

PALUMBO LAW Helps Those in Rhode Island with Their Property Insurance Claims

At PALUMBO LAW, our experienced Rhode Island Condominium Law attorneys understand Rhode Island property damage and water damage laws and will work strategically to help our clients maintain their rights. If you believe that you have a claim for water damage, we can help. To learn more or to schedule a free consultation, call us today!