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Homeowners insurance often covers water leaks and resulting damage, but coverage depends on the cause. Leaks from sudden and accidental events, like a burst pipe or storm damage to a roof, are typically covered. However, if the leak is due to a lack of maintenance, homeowner negligence, or general wear and tear (such as an old roof failing), the claim will likely be denied. Some causes, like flooding or leaks from faulty appliances, may be excluded from standard policies. After taking steps to stop the leak, contact your insurance company immediately and review your specific plan to understand your coverage.

Main water shut-off valves last 10 to 20 years on average, though they can sometimes last longer. This depends in part on the material you choose. Brass valves are very durable, but more expensive bronze or stainless steel valves may last even longer. Main water shut-off valves often fail due to aging internal parts, such as rubber washers. However, corrosion and sediment buildup also contribute to valve failure. If purchasing a home at least 10 years old, you may want to replace the main water shut-off valve soon to avoid potential problems.

To keep window wells from filling up with water, you need to stay on top of maintenance. Remove debris as it fills up, and regularly loosen the gravel at the base if it’s become compacted. You can also reslope your yard to make sure water flows away from the window well (and your home’s foundation), and you can even install a window well cover to prevent debris from building up. Installing an actual drainpipe at the base of the well can also prevent window well drainage problems.

The cost to unclog a drain varies based on the location and severity of the clog. For simple clogs within your home, such as in a sink, toilet, or shower, hiring a plumber typically costs between $110 and $350, with an average of around $200. Snaking a toilet or sink usually costs between $110 and $275, while a bathtub or shower clog costs about $225.

For a more serious clog in the main sewer line, the cost is higher. Clearing a main line clog generally costs between $200 and $600, with an average of about $380. However, prices can range from as low as $100 for snaking a minor clog to over $1,600, particularly if advanced methods like video inspection and hydrojetting are needed for a large or hard-to-reach blockage. Some severe main line clogs can cost upwards of $1,000 to clear depending on factors like the cause of the clog, its distance from an accessible cleanout, and whether the pipe is located beneath an occupied space (e.g., in an apartment building). You may be able to save money on minor clogs by using a drain snake or bladder yourself.