Flood Damage and Frozen Pipes: 3 Important Insurance Facts for

1/26/2022 (Permalink)

Drying up a house that has suffered from flooding.

Learning the Details of Your Coverage

Investing in homeowner’s insurance can protect your Murphy, NC, home when unexpected disaster strikes. However, when it comes to flooding, you may worry about gaps in your coverage and which circumstances are covered. Some instances, such as flooding as a result of a burst water pipe during cold weather may allow you to file an insurance claim; however, it is important to understand what you can expect as far as how much of the damage will be covered and what you might have to pay for out of pocket.

1. Preventative Measures Can Affect Coverage

Some insurance companies require that you take preventative measures to prevent frozen pipes. For example, insulating them in cold weather and performing regular maintenance that keeps them in good working order may be necessary for filing an insurance claim in the event of a pipe break. It is wise to understand the terms of your insurance coverage so you can take steps to comply.

2. Affected Surroundings Are Usually Covered

Because water damage from a burst pipe can be significant, your homeowner’s insurance will likely cover affected surfaces such as ruined flooring, soaked drywall and wood cabinets. If any building material needs to be removed in order to access frozen pipes, you might be compensated for this too, especially if the temperature plummeted unexpectedly and you did not have the opportunity to insulate them.

3. Pipe Repair Costs Are Typically Not Covered

While your insurance company may help you cover costs for a flood damage and restoration service to come in and repair floors, walls and other structures, you will likely have to pay a plumber out of pocket when it comes to repairing the broken pipe itself. Since this can be a considerable expense, it is a good idea to have a plan in place and to retain the services of a trusted professional before this type of problem occurs.

Being able to file insurance claim when a frozen water pipe breaks and damages your Murphy, NC, home can give you peace of mind during such an incident. However, it is wise to learn the details of your coverage so you are prepared in the face of an indoor winter flood.