Water heaters are TESTED to 300 psi, and since the T&P valve SHOULD release at the maxmum perating pressure" of 150 psi, it will NOT cause the heater to burst. In fact, almost ALL plumbing items are rated for up to 150 psi. Without a "ferrule" it would have failed "immediately". Without an "insert sleeve" there is no way to tell when, or even IF, it would have failed. There are too many "unknowns" to even begin to try to assess blame, assuming anyone was actually negligent and it was not just an unpreventable fluke. But insurance companies are ALWAYS going to try to subrogate any loses if they can find a scapegoat. I once replaced a broken hose to a washing machine at 3:00 a.m. It was after midnight, but it did not occur to me to change the date, so the ticket was dated for the previous date. When the homeowner applied to his insurance company to have the damages repaired, he gave them my bill to show what had happened. THe insurance company then tried to bill my insurance company saying that I replaced the hose on one day, (he date of the invoice) and it broke the next day, so I must have installed a defective hose. It took a lot of talking, often using the smallest possible words, so they could understand them, to get them to understand that I replaced the hose that broke and it was NOT my hose that broke.
Licensed residential and commercial plumber
Because my plumber at the time has been force to terminate his company / insurance, my insurance is forced to fill the gap and they said; "The evidence supports that there was likely a high pressure event that prompted the line to come loose, but that the line was able to come loose due to the lack of a ferrule".
I contend that the PRV failed ( no idea if it was ever replaced ) and it appears that my insurance's arbitrator agrees but he goes on to take the word of the other insurance's plumber that there was no ferrule. HJ, you and my present plumber agree that w/o a ferrule this would failed immediately. I don't see how the insurance arbitrator's statment could be true.
Would you pay the $2,500 deductable?
If not how would you counter their argument?
Would you honor your warranty on residential plumbing at >150PSI pressure?