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Water, Water Everywhere

There’s nothing like waking up at 2 a.m. to the sound of running water. Not the relaxing sound of ocean waves or tropical waterfalls on your sound machine, but the whoosh of water pouring through your roof during a late night rainstorm. Trust me—it’s not relaxing.

What started out as a few trickles once at my own house quickly grew to a gush from my ceiling. It happened while our roof was being fixed, and it was devastating.

The fact of the matter is: water damage can happen to anyone, anytime, whether you live in a floodplain or you’re just in the midst of doing laundry. It’s also messy to clean up. (So I’ve learned.)

The best defense really is prevention. Here’s some information to help you know what causes water damage and how you can keep it from happening to you.

Common culprits

According to the American Association of Insurance Services (AAIS), water is the second leading cause of homeowner losses. (Fire is number one.) The most common sources of water damage are:

  1. Faulty washing machine hoses
  2. Dishwasher malfunctions
  3. Backed-up drains
  4. Pipes that burst when the weather gets cold
  5. Roof problems (old shingles, wind damage and ice dams)
  6. Leaky faucets and pipes
  7. Toilet and refrigerator water lines that are not properly connected
  8. Polybutylene plumbing pipes that tend to break

Easy solutions

The good news is most, if not all, water damage can be minimized or avoided by routine maintenance. Here are a few things to add to your spring or fall clean-up routine:

  1. Inspect washing machine hoses for damage. Look for soft spots, bulges and brittleness near the connection or crimping in the hose. Replace hoses every five years. Choose a high-quality hose for best results.
  2. Inspect water lines in your refrigerator and toilet. Look for kinks and cracks that might obstruct water flow or allow leaks. If you find one, replace the entire tube.
  3. Inspect your roof for normal wear and tear. Do it from the ground to be extra safe. Use binoculars if needed.
  4. Clean out gutters and downspouts. They direct water away from your foundation and roof.

More tips for avoiding water damage, year-round

  1. Maintain a temperature of at least 55 degrees in the winter to avoid frozen pipes. Also be sure to properly drain pipes going to the exterior of your home and insulate any pipes that are outside during the cold winter months.
  2. Turn the water off at the main shutoff valve when you leave for vacation. (Turning the water off won’t freeze pipes. Pipes freeze only when the heat goes off in your house).
  3. Install a sump pump or French drain to prevent wet basements.

Mold prevention

When water spills, act quickly. Cleaning up wet or damp areas within 24-48 hours can help prevent mold. The Environmental Protection Agency (EPA) offers these tips for eliminating mold from your home.

  • Keep humidity levels around 40 percent to avoid condensation. If you see condensation or moisture collecting on windows, dry the wet surface and eliminate the source of water.
  • Use air conditioners and/or de-humidifiers when needed. Keep air conditioning drip pans clean and the drain lines unobstructed and flowing properly.
  • Ventilate rooms with high moisture, such as bathrooms. Be sure to vent appliances that produce moisture, such as clothes dryers and stoves to the outside where possible.


How insurance can help

Unlike fire, some of the damage caused by water, such as mold, slow leaks and foundation seeping, is generally limited or not covered by insurance.1 Some types of water damage, though, can be more securely covered.

For instance, ERIE’s Sewer and Drain Backup Endorsement will provide protection against losses caused by water or sewage that backs up through sewers or drains. 1 It will also provide coverage against water escaping from sump pump systems. If you have an ErieSecure Home® homeowners policy with comprehensive perils coverage, you have protection against ice damming.

Also, if you live in a flood zone, consider purchasing flood insurance. Your ERIE Agent can provide you a quote for this important protection.

[1] Sewer and drain backup coverage not subject to $5,000 limit in Virginia.

ERIE® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York).  The companies within the Erie Insurance Group are not licensed to operate in all states. Refer to the company licensure and states of operation information.

The insurance products and rates, if applicable, described in this blog are in effect as of July 2022 and may be changed at any time. 

Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions. 

The insurance products and services described in this blog are not offered in all states.  ERIE life insurance and annuity products are not available in New York.  ERIE Medicare supplement products are not available in the District of Columbia or New York.  ERIE long term care products are not available in the District of Columbia and New York. 

Eligibility will be determined at the time of application based upon applicable underwriting guidelines and rules in effect at that time.

Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.