It is extremely dangerous to use any electrical fixture that has been in contact with water. Wet spots on your ceiling may also develop if your attic is not ventilated properly. Ignoring either problem will lead to greater damage later on. A wet spot could indicate a minor roof issue that needs to be fixed or a small pipe leak. Wet spots on your celing should also never be ignored. If you see a bulge in your ceiling, ensure that you and your family are removed from the location. When ceilings are soaked, they get soft and can collapse because the material will not be able to withstand the water damage. One sure sign of a water leak is a sagging, soggy bulge in your ceiling. Regardless of the reason, it’s important to note how easily water can enter your home and take steps to address immediately. Damage to the wires can short the circuit and cause sparks that could potentially catch fire. As the days pass, electrical wires in a leaking light fixture can develop mould or corrosion. When water has been leaking from a burst pipe or your roof, the leak will have already existed for several days. Water is a conductor of electricity, and when it is in contact with electricity, it can harm people and create havoc in your home and potentially cause electrical fires. If you notice water pooling near a lightbulb or panel, this might be one of your first signs of a serious problem. There are three basic reasons for water leaking from your light fixture:Ĭeiling damage is one of the easiest ways water leaks can enter light fixtures. In many situations, the first signs of a leaking pipe, or seeping roof, occur when the water makes it into your home through the ceiling. Unfortunately, it’s often impossible for homeowners to detect a leak until the damage is already done since the source of the leak is usually hidden by walls and ceilings. YES! Water leaking through a light fixture is hazardous and can lead to electric shock, electrical fires and other dangers. ![]() Is water leaking from a light fixture dangerous? It's much easier for water to travel along the wiring in your celing to a light fixture and come out that way, then it is for it to soak itself through your ceiling. The reason why water leaks from your ceiling light fixture is that water always seeks out the path of least resistance. Without this endorsement added to your policy water damage is generally only covered when it is “sudden and accidental.” Most policies will further define this as a water pipe that has been leaking for less than 14 days.Ĭall us for more details regarding this valuable coverage and how you can add it to your Utah homeowners insurance.Water coming in from one of your light fixture may be caused from a broken water pipe or a damaged roof. Each company’s endorsements will have different language and limits, please refer to your policy for the specific language and coverage definitions and limitations.Īt Anderson Insurance Group Utah we try to include Water Seepage & Leakage whenever we can but it is not available on other property forms or offered by companies other than Auto Owners, Travelers, State Auto and Midwest Family Mutual. Traveler’s coverage is Limited Hidden Water Damage. The terms are different with each company, Auto Owner’s calls their endorsement Domestic Appliance Seepage or Leakage. He was pleasantly surprised to learn that his Auto Owners policy included Water Seepage and Leakage and would cover the damage.Īt Anderson Insurance Group we represent four different companies that offer Water Seepage and Leakage Coverage, Auto Owners, Travelers, State Auto and Midwest Family Mutual. He did not anticipate he would be covered because the company he represented during his career would not have covered damage that occurred over an extended period of time. George home had been leaking for a few months causing damage to the sheetrock and molding. Arlyn called one day because the water heater in his St. ![]() Over the years damage from a water pipe that is “hidden” or that occurs over an extended period of time has been the most misunderstood part of homeowners insurance and it seems that every time the news media wants to drag an insurance company through the mud they find a homeowner who has had a claim denied because a water pipe leaked behind a wall over an extended period of time.Ī great example of Water Seepage and Leakage coverage is Arlyn Anderson, the inspiration for Anderson Insurance Group and who was an agent for one of the major insurance companies for 35 years. This damage occurs over an extended period of time from water that escapes from a water or drainage pipe. Water Seepage and Leakage is a broad term that describes water damage normally hidden behind a wall or cabinet.
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