A frozen, burst pipe could be a nightmare, especially if you are not home or away on vacation when it happens. The good news is that your home insurance will cover any damages as a result of your pipes freezing. Insurance will not, however, pay for the pipe itself since it is a maintenance item. Your policy will also provide coverage for you and your family to live elsewhere if your home is not habitable due to the damage.
Here’s what we recommend to help prevent frozen pipes this winter…
- Keep your home at an absolute minimum of 55 degrees Fahrenheit.
- Seal any cracks or leaks throughout your home that let cold air seep in.
- Keep your garage door closed.
- Open the cabinet doors under your sinks. Leaving them open will allow heat to access your pipes more easily.
- Leave your faucets on a low drip to keep water flowing.
- If you turn on a faucet and find no water, try thawing out the pipe with a hairdryer. Remember to make sure your conditions are safe and dry before plugging anything in.
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Install a water sensor. Water sensors are affordable and will alert your smartphone if water is detected. Many homeowners install these devices near their hot water tanks or under sinks.
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Automatic shut-off valves are also very helpful but are a bit more expensive compared to sensors.
Protecting your largest investment is not always easy, but having the correct insurance in place is a good start. If you have any questions about your home insurance or about protecting your home during the cold winter months, please reach out to us anytime. Stay warm!
