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Burst pipe insurance claim tips - Crestview Public Adjusters

For the most part, frozen and burst pipes are covered by homeowners' insurance coverage. However, difficulties with faulty plumbing or problems brought on by carelessness on the part of a homeowner are typically not covered by insurance policies. Highly rated insurance providers make it explicit in their policies whether frozen pipes are covered. Fortunately, homeowners may minimize the risk of frozen pipes by properly understanding how to insulate plumbing and get their homes ready for the winter freeze.

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Burst pipe insurance claim tips - Crestview Public Adjusters

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  1. Does Homeowner’s Insurance Cover Frozen Pipes? When It's Cold Pipes Can Burst Almost all homeowner’s insurance policies will pay for damages caused by frozen and burst pipes. However, insurance policies generally do not cover plumbing in poor condi?on or issues caused by a homeowner’s negligence. Highly-rated insurance companies clearly state whether frozen pipes are covered under their policies. Unexpected Accidents Pipes can even burst with proper care and maintenance. Homeowner’s insurance companies require adequate home upkeep, including preventa?ve measures to protect pipes from freezing.

  2. Secondary Water Damage Insurance coverage generally only covers the water damage resul?ng from a burst pipe. Pipe repair will likely have to be done by plumbers as an out-of-pocket expense. However, the homeowner can file a claim if the unexpected water burst damages the property. In addi?on, under a standard homeowner’s insurance policy, dwelling coverage includes the expense to restore or replace structural components of property under covered incidents. Personal Property Coverage When assessing the damage, the personal property should also be considered by homeowners. Individual property damage, as well as structural damage to a home caused by water, are both covered under homeowners’ insurance policies. “Personal property” includes all the homeowner’s belongings, including furniture, appliances, and clothing. Loss of Use Coverage In extreme cases, water damage severe enough may render a home unsuitable for living. As a result, the homeowner will have to make temporary living arrangements elsewhere while damage repairs are done to their home. This valuable coverage is provided by the majority of homeowner’s insurance policies. If you have any ques?ons about your insurance policy or if your pipes recently burst and aren’t sure what to do first, call Crestview Public Adjusters. www.Crestviewpa.com

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