Why Your Homeowners Insurance Does Not Cover Galvanized Pipes
Standard insurance coverage will cover damage caused by leaking or bursting pipes. Water damage inside the home is one of the most frequent causes of homeowner claims. Water can cause extensive damage, and the associated expenditures can be overwhelming.
This will not be a problem if a permitted type of plumbing causes the leaks. However, galvanized pipes are obsolete and susceptible to failure with time. Typically, a homeowner's insurance coverage will not cover damages caused by negligence or maintenance difficulties. Most insurers consider it irresponsible for homeowners to keep this type of plumbing in their homes.
If you have this type of pipe in your home, get it inspected properly and carefully. Most likely, it is over 60 years old and long overdue for replacement. Once you have replaced it with a material approved by your insurer, you will be covered in the event of a water leak.
What is the Lifespan of Galvanized Pipe?
Suppose you've discovered that your residence contains galvanized pipes. They appear in good condition, but you are curious about their remaining usable life. While there is no particular age at which these pipes begin to deteriorate, we can give you a rough notion of when you should begin replacing them.
According to experts, these pipes can survive between 40 and 80 years. However, these have not been commonly employed in home construction since the 1960s. Therefore, if you find these pipes in your home, it is likely that they are approaching 65 years old.
Perhaps your galvanized pipes are in good condition and show no wear. We know that a standard homeowner's insurance policy will not cover water damage caused by a leaking galvanized pipe. This raises a question.
Should My Galvanized Pipes Be Replaced?
If you have galvanized pipes in your house, you are strongly encouraged to visit a plumber. They will likely recommend replacing these pipes entirely with more modern materials. However, if they are assessed to have life still in them, it may be prudent to wait if your money is currently limited.
However, replacement of the galvanized plumbing will be required shortly. And if you are considering purchasing an older property, get the plumbing tested to determine whether this type of pipe is there. After the purchase, you will probably need to budget for its removal and replacement.
When you replace galvanized pipes will depend on your tolerance for risk. Consider attentively the counsel of the plumbers you consult. Prepare to replace the pipes, if not soon, soon.
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