What would the difference be between seepage vs. busted pipes? For insurance purposes?

-Jennifer

Jennifer, since I’m not an insurance expert, I’ll defer to a qualified insurance agent –Tim Eckley of Elite Insurance Coverage, who has a simple explanation:

Seepage usually occurs slowly over time and may be the result of normal wear and tear or deterioration which is not covered by most insurance policies. A broken pipe is sudden and accidental and is covered by most policies. Whether or not your insurance will cover the repair of the affected pipe(s) or the damage to property or structure is something you’ll need to find out from your insurance agent.

-Brian

I have a two-story fifty room hotel and I have a hot water recirculating pipe that gives instant hot water in any room at any given time. The mechanical room is located in one end of the building but somehow I constantly get pinhole leaks on the opposite end of the building, in almost within same rooms or area. Why not in different rooms?

–Sanjay

Sanjay, your pipe is corroding as well as eroding. Failures typically occur in the recirculation line first because it’s smaller in diameter and it’s receiving constant flow through it (which actually erodes it). Your problem is not unusual at all, typically the hot water line is looped around (in your case, it would be in your last units) and then returns as your recirculation line. If you want to avoid repeatedly replacing or patching this pipe, epoxy pipe lining will prevent corrosion and erosion.

-Brian