
最多的顺序房主保险索赔的共同来源经常变化。风,冰雹,照明,火灾和水损坏总是制作清单,尽管它们导致的损坏的类型和严重程度都有所不同。所以损害所涵盖的机会也是如此。涉及水损坏时,可能的声称范围可包括管道和设备泄漏,屋顶泄漏和雨水和雪风暴损坏。政策往往不会覆盖在房屋周围或在地上的水损坏,如洪水,支持脚下排水,故障的漏气泵或漏水的基础。他们经常覆盖管道泄漏。当然,知道所涵盖的内容的唯一方法是阅读你的政策。
At well over $10,000,水损伤声称的平均值并不微不足道。涉及管道泄漏时,那些捕获的人可能不会造成足够的损害,以保证保险索赔,而那些未被发现的人可能会导致更严重的损坏,包括腐烂和模具。此外,水泄漏不必损害昂贵。如果您支付水资源或住在水资源保护很重要的地区,未被发现的泄漏可能会浪费。那么,如果你一开始就可以尽快找到管道泄漏的损坏和成本,那将是100美元的?在检测到泄漏时,您愿意花多少钱,在检测到泄漏时自动关闭供水?
在设计和建造房子,有lot of possibilities for “cheap insurance.” Waterproofing plus a dimple mat on the foundation (in case you finish the basement someday), air-sealing tape and expanding spray foam around windows (the old “belt-and-suspenders” approach), a heat pump and backup electric baseboard heaters…
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5条点评
A previous home (a townhouse) had plunger-style shutoffs. These cheap, one-piece shutoffs are a disaster waiting to happen. To avoid potential problems, I had all them removed and replaced with standard shutoff valves. The CPVC made the swap-over a little tricky since too much pressure (on the compression fittings) could crack the pipe and too little drying time (in the glue-ons) could compromise the bond. As an extra safety measure, I installed a whole-house shutoff and place leak sensors on each floor.
我的一个邻居也取代了她的闭光,但在她没有回家的时候,在顶楼的一个配件失败了。(她没有全家闭塞。)固定水损伤需要数周,花费超过40,000美元。
I'm in the process of renovating a one-level place, and it had the same junky shutoffs. All have been replaced. Even though there is less risk with a single-story home, I'm about to install a Moen Flo Shutoff as a just-in-case. The new engineered oak floors that just went in were shockingly expensive and $500 is not much to spend to avoid having to rip them out.
With the Flo, the algorithm that monitors usage apparently does not respond well to unexpected usage. My plumber shared a story about a customer who put one in a few weeks before his daughter returned from college. He got a panicked call from her when the water stopped midway through a shower. The father checked his phone and saw an alert from the Moen app. Since no one typically took 30-minute showers at that time of day (or ever, really), the software thought there was a leak and activated the shut-off. I understand the app has an override, but the whole alert and override function is not instantaneous.
嘿史蒂夫,
感谢您分享您的体验。
在研究文章时,我从水管工中听到了类似的轶事。他的一位客户在晚上出现了非典剧,并决定洗澡。在泄漏探测器关闭阀门之前,他有足够的时间弄湿。我相信,对于大多数系统,您可以覆盖自动关闭设置,但当然,采取淋浴的人需要知道,并知道如何做到这一点。
That's a funny story of the 30 min. shower (not so funny for the homeowner). It goes to prove that all the wired or wi-fi technology does not always works best. Same goes to home appliances. It's just lipstick on a pick.
哈!Armando和我在这次讨论中显示了我们的年龄。我会建议一些决定20世纪的解决方案:
几乎每个房子的一个常见问题都是主要的水关闭即将到来,或者在最不方便的情况下。我最近被前门移动到了离散位置。我们现在更有可能在出门时关闭它。
当您没有回家时,您也可以通过不运行设备来显着降低损坏的机会,并定期更换供应线。
I did my research for this topic and ended up purchasing and installing a Flo by Moen. The Flo has already saved me once, automatically shutting off the water when a toilet malfunctioned after a flush without us realizing (no water damage would have taken place but we would have wasted a lot of water before we would have realized it). Being able to easily turn the water off to my house from an app on my phone is great for long weekends away. I intentionally installed it on a water line that didn't have the irrigation on it, so I won't have to worry about that.
Another added benefit of the Flo that I didn't see in the article is every night the unit will perform a leak check (it will turn the valve off around 3-4 AM and make sure the pressure on both sides are maintained for a few minutes). This would be a way to catch a small leak inside your walls or somewhere else that you wouldn't notice until you got some discoloration in a ceiling.
I purchased the remote water sensors as well, which didn't work for me out of the box but Moen agreed to replace them so we'll see how they turn out.
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