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That pesky faucet leak can have a few different causes, most of which are standard wear and tear that occurs over time, but that doesn’t make it any less annoying, especially when the energy bill hits:

• Old washer: A deteriorated washer or gasket is the most common cause of a leak. Luckily, it’s easy and affordable to fix.

• Old packing nut: There’s a chance the packing nut (located beneath the handle) is loose and simply needs tightening, or it has been worn down, stripped, and needs to be replaced.

• Freezing temperatures: The water sitting in your spigot over winter can freeze, expand, and lead to damage and leaks.

• High water pressure: High water pressure is hard on pipes over time and can cause cracks and leaks, too.

The design of freeze-proof faucets ensures that the water in your outdoor spigot properly drains from the pipe to avoid freezing. These designs keep the outdoor spigot pipe from bursting and protect you from related plumbing repair costs, such as ice building up in connecting pipes and water damage in the area around the pipe.

Most homeowners and many renters insurance policies cover the cost of damage from a burst pipe, as it is typically considered a sudden and accidental event. This coverage often includes not only the plumbing repair itself but also the cost to repair or replace other parts of your home damaged by the water, such as drywall and flooring. However, every policy is different, so it is wise to consult your insurance company to understand the specifics of your coverage and any potential out-of-pocket costs.

Generally, toilet leaking is not an emergency unless the leakage is severe. However, any leakage at the bottom should be addressed as soon as possible because it could lead to water damage to the floors, under the tiles, or into the walls. Leaks at the bottom can also lead to mold growth if unaddressed.