As we all know, water heater failures often lead to significant property losses.
The average life of the water heater is 10--
20 years, but this can be significantly reduced without proper daily maintenance-
The risk of failure is greatly increased.
According to a study by IBHS, 69% of the water heater failures were caused by a slow leak or a sudden burst.
The residential water heater is equipped with 20 to 80 gallons of water, which may cause serious water damage to the property in the event of a failure.
On average, replacing a residential water heater costs only $1,500, but water heaters that leak or burst often cause additional property losses of more than $3,000, excluding any additional living expenses that may occur.
The adjuster needs to be careful with these claims, as the exact cause of the damage may or may not be the loss covered by the policy.
The most common cause of internal rust/corrosion water heater leakage, internal rust or corrosion is usually the lack of daily maintenance.
By regularly checking the water heater for signs of rust and carrying out preventive maintenance, the owner can extend the life of the water heater and greatly reduce the risk before failure.
The two main reasons for the rust or corrosion of the tank are the failure to re-place the sacrificial anode, resulting in the accumulation of scale.
Gas map (left)and electric (right)water heaters. (
Failure of replacement of traditional sacrificial anode Rod, tank-
The style water heater is installed with at least one sacrificial anode Rod, as the name suggests, its sole purpose is to attract corrosive elements in the water to prevent deterioration of the steel lining of the tank.
Some larger residential storage tanks can accommodate two rods, while commercial storage tanks can accommodate up to five rods.
These anode rods consist of magnesium, aluminum, or aluminum.
Zinc alloy with steel core wire.
Because the rods attract these corrosion elements, they must be monitored for corrosion.
If not placed in time, the corrosion elements of the water will begin to attack the steel lining of the tank.
The owner shall replace the anode rod of the water heater (s)
Prevent steel sleeve corrosion every five years.
Homeowners using the water softener should increase the frequency of anode Rod replacement as the salt used in the water softener increases the corrosion rate.
Related: How to accurately calculate the repair and replacement cost of rust at the bottom of the water heater tank due to the accumulation of scale. (
Accumulation of scale when hard water (
Among them, the mineral content is high)
After heating, a calcium carbonate deposit called \"scale\" is produced.
\"Over time, these scale accumulates at the bottom of the tank, creating an insulation effect that causes the tank to overheat, which in turn slows down the protective glass lining of the tank.
Once this lining melts, the exposed steel begins to corrosion and weaken, eventually leading to a leak in the tank at the bottom.
In some extreme cases, scalebuild-
Going up causes the entire bottom of the tank to disintegrate. (Fig. 2)
There are two ways to reduce this scale. up effect.
One way is to rinse the water tank regularly to remove the scale particles and prevent accumulation.
Another more preventive option is to install the water softener, because scale is generated only when hard water is heated. Of course(as mentioned)
, This solution needs to replace the sacrificial anode more frequently.
Related: identifying water
Due to increased water tank pressure, the air conditioning system was damaged after the hurricane leaked the water heater. (
If the pressure inside the water heater becomes too large, it will cause the water tank to leak or even burst.
Pressure increased due to various circumstances.
The most common causes include elevated water temperature, excessive external water supply pressure, and failure of safety valve
s or expansion tanks. (Fig. 3)
When energy (
In the form of heat)
It is suitable for water, moving faster and occupying more space, the concept is called thermal expansion.
Due to this phenomenon, water at 145 degrees takes up more space than water at the same volume at 125 degrees, and the water pressure increases proportionally.
This expansion can be adjusted using an external hot expansion tank to allow excess water to drain and reduce the pressure inside the tank.
However, if the expansion tank is not installed in the water heater (
A lot of regional requirements have only started recently)
The tank may leak or even burst if it does not work properly.
Too much pressure on water supply from outside supply (i. e.
Usually between 80 and 150 PSI (
Pounds per square inch)
When it got home
However, the water pressure in the home should be between 40 and 60 PSI so that the water can be used safely without damaging the appliance, pipe or fixtures.
In order to reduce the pressure to the appropriate range, the property is equipped with a regulator.
If the regulator is set too high or there is a fault and the water enters the tank at too much pressure, the tank may break.
Related content: Water, water everywhere: the flood claim question answers the question of major damage caused to the surrounding property by the bursting of the expansion tank of the water heater. (
When the pressure in the tank is too high, the safety valve or hot expansion tank failure, hot expansion tank and pressure/temperature safety valve provide valuable fault insurance.
They allow water and pressure to escape and restore the water level in the tank to a safe range.
However, tanks explode if they don\'t work properly.
When the pressure reaches 150 PSI or the temperature reaches 210 degrees Fahrenheit, the pressure and temperature safety valve opens.
Unfortunately, these valves themselves fail over time, causing the tank to break.
In addition, a cracked or improperly installed hot expansion tank can also cause a tank to leak or burst. (Fig. 4)
What can the adjuster learn from these scenarios?
While these are not the only way the water heater fails, they are the most common and cause the most damage to other properties.
When the water heater leaks or breaks, the regulator must thoroughly investigate before determining whether it can be covered.
The presence of rust and corrosion can cause coverage problems as this happens over time due to lack of maintenance or corrosion
However, due to the fault of the regulator, safety valve or hot expansion tank, unexpected direct physical losses often occur.
Therefore, identifying the specific circumstances that lead to the loss is critical to achieving an accurate solution. Reza Nikrooz (reza.
Nikrooz @ strikecheck. com)
Is the chief claimant of StrikeCheck and HVACi and oversees the operation of the company\'s claim assessment services.