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Started By
Message
Question about Home Warranties
Posted on 3/5/12 at 11:03 am
Posted on 3/5/12 at 11:03 am
So this is my first home that I have owned, and its about 8 years old. It has a 10 year "structure home warranty" and had a question regarding whether something constitutes this. Below is a picture of an area of my living room ceiling. You can clearly see outlines of water damage as well as other 'warped' areas of the ceiling where the pipe is running.
Now I believe any kind of water leak/damage like this is just plumbing issues and not covered by warranty. But my main question is around the pipe warping. I have noticed ALL OVER my house within the past year or so. Every time I look up I see new areas of these pipe issues all over the house. Here's a generic picture of what I'm talking about, and its prevalent throughout my house.
Finally, if none of this is covered by a builder's home warranty, what about home insurance? TIA for advice/comments.
Now I believe any kind of water leak/damage like this is just plumbing issues and not covered by warranty. But my main question is around the pipe warping. I have noticed ALL OVER my house within the past year or so. Every time I look up I see new areas of these pipe issues all over the house. Here's a generic picture of what I'm talking about, and its prevalent throughout my house.
Finally, if none of this is covered by a builder's home warranty, what about home insurance? TIA for advice/comments.
5
Posted on 3/5/12 at 11:21 am to Htown Tiger
read your policies and see what's covered. then make some phone calls to the warranty company and your insurance. I would think the home builder's warranty would be more likely to cover damage due to faulty pipes or negligently installed pipes. Homeowner's insurance is more for casualty loss due to acts of God and such, but the policy will spell everything out
and maybe even get a professional inspection to pinpoint the cause of the problem
you can't really do a whole lot until you find out what is causing he problem
good luck
and maybe even get a professional inspection to pinpoint the cause of the problem
you can't really do a whole lot until you find out what is causing he problem
good luck
Posted on 3/5/12 at 1:21 pm to Htown Tiger
It should be totally free to put a claim in against your home warranty. Mine was an online deal... it ask me what the issue was and then I got a call telling me someone was coming out. No cost of course.
Posted on 3/5/12 at 1:31 pm to Htown Tiger
quote:
So this is my first home that I have owned,
Don't bring up issue... sell the house now.
Posted on 3/5/12 at 1:54 pm to Htown Tiger
It almost looks like the drywall wasn't floated properly and the tape is starting to sag. Water damage wouldn't follow the joints in the drywall like that. It could also be foundation problems causing the drywall to shift. Have you noticed any doors sticking or out of plumb?
This post was edited on 3/5/12 at 1:56 pm
Posted on 3/5/12 at 8:12 pm to Layabout
quote:
Have you noticed any doors sticking or out of plumb?
Actually, yes. The front door seems to be getting worse and worse as the months go by.
Posted on 3/8/12 at 8:04 am to Htown Tiger
Definitely looks like the sheetrock tape is lifting. Not a pipe issue.
Posted on 3/8/12 at 10:31 am to hoppinnissan
Can't tell in the pictures, is there any cracks/fractures in wall Sheetrock? Sounds like it might be foundation related.
Posted on 3/8/12 at 3:52 pm to PokerPastime
It's sheetrock tape lifting. They stagger the sheets for the seams to fall out like that. Plus you don't have that many pipes running around your house like that in the attic.
Posted on 3/8/12 at 6:37 pm to hoppinnissan
That looks like a foundation issue.
Posted on 3/8/12 at 8:03 pm to Dead Mike
poor drywall finishing- have it done correctly
Posted on 3/8/12 at 11:57 pm to Htown Tiger
I am a licensed Contractor and licensed Home Inspector. I am inactive in both as now I just sell homes.
You need a really good Home Inspector. THe best ones have construction backgrounds of some sort IMO.
Need more info and to view it live but from the pictures I doubt the issue is structural. (Although I can't rule it out from just your pics). I wonder how you attic ventilation is? I ask because if this issue has just ramped up in the last couple of years a condition has changed. Over heating of the attic can cause the Sheetrock joints to fail due to expansion and contraction between day and night conditions.
You mention pipes and if the issues is widespread in different rooms it's likely not pipes.
I don't think it's a structural foundation problem because most settlement issues would have begun to show themselves prior to now or even 6 years IMO
You need a really good Home Inspector. THe best ones have construction backgrounds of some sort IMO.
Need more info and to view it live but from the pictures I doubt the issue is structural. (Although I can't rule it out from just your pics). I wonder how you attic ventilation is? I ask because if this issue has just ramped up in the last couple of years a condition has changed. Over heating of the attic can cause the Sheetrock joints to fail due to expansion and contraction between day and night conditions.
You mention pipes and if the issues is widespread in different rooms it's likely not pipes.
I don't think it's a structural foundation problem because most settlement issues would have begun to show themselves prior to now or even 6 years IMO
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