Helpful Hint for Homes with an Irrigation System
Here is a helpful hint for anyone with an irrigation system. It is important to have your sprinklers professionally checked at both spring turn on and fall shut down to make sure that they are properly winterized in the fall and that there are no leaks present in the spring.
Some insurance companies, depending on whether the water comes in your basement through the foundation as a result of an outside leak in the system or if the leak occurs within your basement walls from a pipe or supply line, will base their determination on coverage on what the water touched before it entered your house versus the source of the water. So, even if the water is from your system, if it touches the earth on the outside of the house and comes in, no coverage. Generally speaking though, if the break or loss occurs within the four walls of the basement, it is typically a covered loss.
In general, it is crucial to check your sprinkler system in order to prevent any type of water break or loss. A simple professional check can end up saving you the time and money spent on the unexpected and unforeseen event of water damage.