Urgent: What to Do If You Experience a Pipe Leak and Insurance Sends a Mitigation Team

When dealing with a pipe leak, insurance companies often bring in mitigation teams to manage the damage. However, their priorities may not always align with your best interests as a homeowner. It’s crucial to take the right steps to protect your home and ensure proper repairs.

Follow these three essential steps, and make sure to pay extra attention to Step #3.

Step 1: Locate and Shut Off the Water Supply Immediately

Your first priority is to stop the water flow to prevent further damage.

✔ Find the Shutoff Valve: Typically located under sinks or outside near the water meter.
✔ Turn Off the Water Quickly: This provides a temporary solution while you wait for professional help.
✔ Educate Your Family: Ensure everyone in your household knows where these shutoff points are.

Step 2: Report the Leak to Your Insurance with the Right Information

When calling your insurance company, be precise and detailed about the damage. Before making this call, keep these key points in mind:

✔ Insurance Process: Your provider will assign a mitigation team to assess the damage and begin repairs based on what you initially report.
✔ Get an Independent Assessment First: Before the mitigation team arrives, have a trusted professional inspect the damage. This ensures an unbiased report and prevents claim disputes.
✔ Why This Matters: An independent evaluation protects you from being pressured into unnecessary or inadequate repairs.

Step 3: Be Cautious When the Mitigation Team Arrives

Mitigation teams work for the insurance company, which means they might prioritize cost-saving measures over your best interests.

✔ Don’t Rush into Repairs: The insurance team will only address what you initially reported, sometimes overlooking critical repairs.
✔ Get a Second Opinion from a General Contractor: Before allowing major work to begin, consult a licensed and reputable contractor for an independent evaluation.
✔ Free Inspections & Quotes: A professional contractor should provide a free assessment and Quote to help you make informed decisions about your home’s repairs.

Can a General Contractor Be Part of the Mitigation Team?

No. A mitigation team works for the insurance company, while a general contractor works for you, the homeowner. The contractor’s role is to ensure your home is properly repaired, while the mitigation team focuses on managing damage based on insurance policy guidelines.

Final Advice: Always get multiple assessments before agreeing to any repairs recommended by your insurance company’s mitigation team. Your home’s safety and long-term integrity should be your top priority.