Elizabeth Cornell, Personal Lines Associate, explains what is covered under a typical homeowners policy if pipes freeze.
A typical homeowners policy provides coverage for frozen pipes, however in many cases the actual pipe itself will not be covered; only the damage that the burst pipe causes will be covered. With the upcoming winter weather, we advise our clients to protect exposed plumbing with pipe insulation. It is also a good idea to keep your heat at a minimum of 60 degrees to prevent any freezing. A burst pipe could be a nightmare, especially if you are not home or away on vacation during the damage. In the event of a burst pipe your policy will also provide coverage for you and your family to live elsewhere if the home is not habitable.
Thinking about all the damage the winter weather can cause is scary, but it’s good to know that you are protected and your agent is only a phone call away. For more information on protecting your home in the winter, contact Mackoul & Associates today.