There's been a lot of news coverage about frozen pipes and burst pipes with the weather and power failure induced chaos throughout Texas this week. We know, we know, it doesn't really get that cold in California. But, if watching this slow motion disaster unfold from afar has taught us Californians anything, it's that you just can't predict what will happen next. Also, we thought you might be curious after hearing so much about busted and frozen pipes, how could an issue like this affect me?
Our hearts truly go out to anyone affected personally or tangentially by this crisis and we're hoping for a quick resolution. Sending warmth from California.
Does Home Insurance Cover Frozen Pipes?
Typically, your homeowners insurance covers cleaning and required repairs due to water damage that is a result of a frozen pipe that has burst. If you turned off your heat when leaving your house for a few days, causing the pipes to freeze when outdoor temperatures dropped, your claim may not be covered.
Taking smart steps to maintain and protect your pipes can help you prevent a freeze-related disaster. Replace the thermostat’s battery and set your thermostat to a minimum of 55° when you’ll be away from home. If you’ll be gone for an extended period, consider asking a relative or friend to check on your house and make sure the heat is running as needed. If you’re planning to leave your home for the entire winter, winterize your home. This includes fully draining your home’s plumbing system and shutting off your water. Also consider insulating your pipes.
In short, we can deduce that, yes, water damage caused by a burst pipe is usually covered, but maintenance of pipes or negligence to perform precautionary updates to your plumbing is not. As the homeowner, it is your responsibiity to consistenty maintain your pipes to avoid damage.
What Coverage Do You Need for Broken Pipes?
Accidental water damage is often part of dwelling coverage, personal property coverage and/or loss of use coverage. Speak to your insurance representative to make sure water damage is a covered loss in each of these home insurance policy components.
As aways! Keep your reciepts, take pictures!
Got questions? Give us a holler!
Cover photo from Fox 4 News of Texas
Thanks to our company, Traveler's Insurance, for contributing to this relevant blog topic!