Does Insurance Cover Frozen Burst Pipes?
Updated: Jan 15
Wintertime can be challenging for homeowners trying to keep their homes warm and functioning. One of the most significant issues caused by cold conditions is frozen pipes.
Frozen pipes can cause many problems, from mild inconveniences to costly damage, such as frozen burst pipes.
When pipes burst due to them being frozen, will home insurance companies cover that?
In this article, we will be exploring this.
What Is Home Insurance?
Home Insurance is a type of insurance that covers a variety of losses, including damage to property, theft, and liabilities. It provides financial protection for homeowners and landlords if any sudden or unforeseen events result in damages to the property or its contents.
Home Insurance can be divided into two main categories: dwelling coverage, which covers the physical structure of the home, and personal property coverage, which covers your belongings inside it.
Policies are designed to help individuals repair or replace what was damaged by fires, lightning strikes, vandalism, theft, floods, explosions, and more.
Does Home Insurance Cover Frozen Pipes?
Generally, most standard homeowner policies cover the damage caused by frozen and burst pipes due to freezing weather.
Determining if You're Covered
This includes any water damage resulting from the pipe breakage and any repairs necessary to fix the broken pipe itself; however, you may need extra coverage or an endorsement for costs associated with replacing items that were damaged or destroyed by water resulting from the frozen pipes.
When Are You Not Covered For
On some occasions, home insurance may only cover the damages if you have plumbing that has been blocked up for an extended period or if you have adequately heated the home and left it for an extended period.
Steps to Take After a Burst Pipe
Shut off the water
Repair the pipe
Get rid of the water
Take inventory of damage
Contact your insurance agent
How To Prevent This From Happening Again
Preventing frozen burst pipes should be a priority in any household, primarily if winter is known to bring cold weather. Despite extreme temperatures, homeowners can take several preventative measures to protect their pipes from freezing and bursting.
The most crucial step is to ensure that you properly insulate all the exposed pipes in your home. This includes any pipes located outside, such as those connected to outdoor faucets, and those located in unheated areas, such as attics and basements.
Installing insulation jackets or foam insulation sleeves will help keep the water temperature inside these pipes above freezing point. It will help prevent them from bursting due to cold weather conditions.
In addition, you should inspect all visible piping for signs of cracks or leaks before winter arrives each year.
Frozen pipes that burst can be a major headache for homeowners. Not only do you have to deal with the mess, but you may also find yourself facing a costly repair bill.
Fortunately, many insurance policies cover this type of damage. Review your policy and contact your insurer if needed to ensure you're protected.
Don't let frozen pipes catch you off guard—take the necessary steps to protect your home and wallet today!
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