Leaks due to frozen pipe burst can quickly cause thousands of dollars in water damage. Compounding matters, some insurance companies will deny coverage for certain burst pipe damages. There is a lot of misinformation on homeowners insurance coverage when it comes to pipes that burst or water damage from broken pipes.
Typically, should your pipes burst due to freezing temperatures, the resulting water damage is most likely covered under your homeowners insurance policy.
Review your policy and talk with your insurance company to find out if your frozen pipe damage is covered.
When you are NOT covered
- Normal deterioration. Corroded or old pipes exhibiting signs of normal aging are often not covered by your homeowners insurance policy. If the pipe burst is a result of freezing temperatures instead of the pipes being old and worn out, your insurance claim is that much stronger.
- Negligence. Did you take the necessary steps to attempt to protect your pipes, like turning off the water or insulating exposed pipes? If your insurance company can prove you did not take all the basic steps to prevent the damage, they may legitimately deny your claim.
- Maintenance. As a property owner, it is your responsibility to keep up with maintenance of your home or business. If you failed to provide adequate maintenance for your pipes (replacing when worn out or corroded), your claim can be denied.
A plumbing leak is a fast way to ruin your property and rack up expensive repair costs. If you live in a two-story household and a leak springs upstairs, the problems will be even more widespread as the water drips down and soaks into the structure below. In cases regarding duplexes or adjacent town-homes, the leak on your property could ultimately destroy the property of your neighbors.