On the second floor, when there was water from Rūta’s log house, there was nothing left: even the furniture and walls were painted brown.

20 buckets of spilled hot water ruined the house

Ruth relates that when she was not at home, a water valve exploded on the second floor of her log house under the sink: “About 20 cubic meters of water spilled, flowing a strong current through the walls and ceiling up to the first floor. Not only that, the water was hot and rusty so it had an even bigger impact on home ownership. The image was tragic. “

At the top, where everything happened, according to the hostess, it was necessary to replace all the tiles, the cabinet, all the walls, ceilings, logs were damaged. On the ground floor there is a closet, refrigerator, stove, chairs, doors. Everything not only broke, swelled from the water, but also turned brown.

I was surprised by the speed and commitment

“Seeing what happened, we immediately took all measures to stop the flow of water, we registered the event with the insurance company BTA, which insured the house. The visiting expert assessed the damage caused. Although there were disagreements on some positions, our comments that it would be more costly to resolve than expected were taken into account. Due to compensation for the damage, to our surprise, a compromise option was adopted, ”says Rūta.

At first, even though no one would make up for the loss, then the owners were pleasantly surprised by the speed and the fact that their arguments were taken into account. The money reached the account in 3 days. The amount paid by the insurance for the disposition of the house is considerable: 10,880 Eur. These sums were almost enough to cover the damages suffered by the family. Ruth is even afraid to think what it would have been like if they hadn’t insured the house or received half the amount needed to cover the damages. This would be a great financial loss for the family.

There can be several reasons why the valve is missing

Miroslav Radevic, a spokesperson for Virineta, a plumbing company, says such disasters are difficult or unpredictable: “I think the quality of the valve may be to blame in this situation, whether it is old or poor quality. There is also the possibility that it was not resisting the pressure, which means that the valve was too weak. If the water comes from a well and is used infrequently, it will settle. Also, it’s ironic. It can also affect those incidents. “

When installing the valves, according to the specialist, it is important to follow the instructions on what pressure they can withstand. The thickness of its walls depends on it. He recommends choosing valves that can withstand the highest pressure possible.

Prices vary by half

When choosing valves, M. Radevič advises to consider the manufacturer, because today there are many Chinese products on the market: “I cannot say that they are all bad, but the probability that the product is of poor quality is high. The price between a quality valve and a low-quality one differs in half. If a quality valve costs 15 euros, then a Chinese one, around 8. I advise looking for quality products. For example, good valves are made by serious Italian companies. “

For those who want to avoid events like this for the family, the specialist advises changing the valves according to the manufacturer’s recommendations, approximately every 5-10 years. This, according to the interlocutor, is very important, although many forget it and remember it only in the event of an accident.

Among the most popular risks are water losses.

Vasarė Širmelytė, a property insurance specialist at BTA, says that in this case the unfinished house was insured first, so the offer was submitted with the following situation in mind: For the insurance option to meet the expectations of the client, it is very important to provide the client with information related to the object of the insurance to the insurer, even in the middle of the term of the contract. In this way, we can always choose what is most relevant to the client, adapting to their needs ”.

Residential property insurance, according to the specialist, protects against a series of risks: “One of the most popular and valued by clients is water, which has caused damage to our client’s property, as well as internal failures, breakage of glasses. While many of us work from home, we also have the property entrusted to us by our employer insured. Those who are insured with BTA property insurance also receive the services of an employer, if necessary. “

Damages are paid within a few days.

The speed of compensation depends on the size of the event and its complexity, as well as the willingness of the client to cooperate and provide the necessary information in a timely manner.

“Minor damages can be resolved within 3 business days. The regulation of larger damages can take much longer: in the case of more victims, in parallel with additional legal procedures related to the event, etc. ”, Says V. Širmelytė.

There is no reason to fear that policyholders will make decisions in your favor

According to the BTA representative, insurers are always on the side of an honest customer and try to help him: both with advice on how to behave in stressful situations, and subsequently, financially compensate for the damage suffered.

Before concluding an insurance contract, the specialist advises providing as much information as possible so that the insurance specialist can help choose the most appropriate insurance option: “

The first steps in a disaster

“Depending on the situation, the consequences of the disaster should be minimized. In this case, in the event of a water accident, immediately call the emergency services, as well as notify the insurance company. Some people are in a hurry to repair broken pipes in home with what they have on hand. If this helps to stop the flow of water for at least a short period of time, it is great, but we still recommend contacting professional plumbers. You need to professionally repair cracks in your pipes and avoid let the accident happen again ”, advises V. Širmelytė.

It is no secret that most losses occur when people are not at home. Even some floors or floors can flood if you don’t notice a punctured or broken pipe in time. When going out for a longer period of time, the specialist recommends opening the water inlet taps.

“We are faced with situations where people even forget that they are insured due to stress. Although any accident really causes a lot of stress, it is very important to remain calm, listen to the recommendations and advice of the home manager, emergency services specialist and insurance company consultant, and follow them, ”said a representative from BTA.