One of the most frequently inquired topics during the winter months involve frozen pipes and whether or not a typical homeowner’s insurance policy will cover them. In most cases, you don’t have to worry; your homeowner’s policy will cover the damage to your home in the event of a burst pipe. However, there are some things to consider before assuming you will have coverage.
The main reason water pipes burst in the winter is due to water freezing inside of them. The pressure builds when the water expands and has nowhere to go causing the pipes to crack. When that happens, you could suffer water damage in places you never thought possible: in the walls, through the floors and/or all over the house. Your insurance carrier will conduct a thorough exam before accepting your claim and paying for it.
It is your responsibility as a homeowner to prevent your pipes from bursting. For example, turning your heat down while you leave for vacation might save you a few dollars in fuel costs, but a cold snap could cause your home to get cold enough for those pipes to freeze. If they burst and cause damage to your home in a case like that, your insurance carrier may deny your claim.
Prevent your pipes from bursting by paying attention to the weather and checking on your pipes. Leave your faucet open just a tiny bit to relieve any pressure that could build up during extremely cold temperatures. Plug up any exterior holes like the ones where cables come into your home that could cause cold air to get in – especially when the wind chill factor is very low. Protect your home and know that your homeowners insurance will protect you. Let us know if you have any concerns about your pipes before the next freeze!