Steps To Take When Frozen Pipes Burst

12/31/2019 (Permalink)

Frozen pipe in Fort Campbell, KY

Steps To Take When Frozen Pipes Burst

A burst water pipe can wreak havoc on your home. However, you can minimize the damage by taking quick action. When faced with a burst pipe, it may be wise to file an insurance claim and take steps to mitigate your damages.

File a Claim

Most standard homeowner’s insurance policies cover sudden and accidental discharge of water from a pipe. Water damage from a burst pipe is generally considered a sudden and accidental discharge. However, the damage to the pipe itself and associated plumbing costs are usually not covered. Your insurance policy may cover the following types of damage:

• Labor and materials required to access the burst pipe, such as tearing out a wall
  
• Cost to repair water damaged property, such as drying out carpets or replacing warped floors
  
• Cost to repair a wall damaged by leaking water or torn out to get to the burst pipe
  
• Expenses for temporary housing if the damage caused by the burst pipe has made your residence unlivable.
  
  
  

Not all insurance policies are the same, so you may want to contact your insurance professional in Fort Campbell, KY, to verify that your policy covers damage from frozen pipes, before you file your insurance claim or begin making repairs.

Mitigate Your Damages

You’ll probably want to take some immediate action to prevent a leaking pipe from causing further damage to your property. The terms of your insurance policy may also require you to mitigate your damages. The first thing you should consider doing is shut off the water to your residence. You may want to consider using the services of a water restoration company to assist with drying out your home.

A burst pipe can cause a lot of damage to your home. Filing an insurance claim and mitigating your damages can help you minimize the cost and the amount of time it takes to repair your damages.