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Fire & Water - Cleanup & Restoration

Insurance May Cover the Cost of Replacing Your Carpet After a Pipe Break

12/17/2018 (Permalink)

Water Damage Insurance May Cover the Cost of Replacing Your Carpet After a Pipe Break Water loss after a pipe break in a Memphis,TN home

If your insurance company approves your water damage claim, it’s almost certain that they will do something about it and any other floor coverings affected. If the broken pipe released sewage, you should settle for nothing less than a complete replacement. If the water damage is from fresh water, expect them to do no more than have it restored.

Other Factors May Come Into Play

If it was new and was in perfect condition at the time of the break, and if the water was perfectly clean, the decision would be to restore. There may, however, be other issues to consider.

  1. The water coming from the pipe break was clean but was contaminated by something after leaving the pipe. These contaminants might render the carpet unusable and require its replacement.

  2. It could have been a valuable Persian rug. As a valuable item, it should have been listed separately on the insurance policy. If it was not, you might have trouble getting compensated. If the insurance company accepts the claim, the preferred method by all parties would probably be restoration.

  3. Before the damage, it was old and in poor condition. The insurance company might balk at replacing this. They might, however, pay to have it restored.

  4. Due to the break, it has developed a mold problem. At this point, it might be cheaper to replace than to restore it.

A Broken Pipe Usually Affects More Than Just Floor Coverings
The chances are that your water problem goes beyond the carpet. There is a water damage remediation specialist in Memphis, TN, that can take on the entire job, including the floor coverings. They can get started before mold has a chance to become a problem.


A Pipe Break Is Never Welcome in Your Home
Nothing lasts forever. When pipes break in your home, it’s good to have local restoration specialists for the cleanup and insurance policies to pay for it.

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