« Homeowners & Renters Insurance
pipes froze and burst, damaging my home. Do I have coverage?
Most homeowners insurance policies, except for the very basic ones,
cover damage to the home resulting from broken pipes. For example,
your insurance company will pay to clean or replace the carpet and
furniture that's damaged, minus your deductible. For those with
renters insurance, property loss would be covered.
If the damage is so extensive that you can't stay in the home, your
insurance company generally will pay for additional living expenses.
Am I also covered for snow and ice buildup
that causes leaks in my roof?
This condition is known as an "ice dam." To obtain coverage
for this kind of leakage, not directly the result of damage to the
roof by wind or the weight of snow, you would need an all-risks-not-excluded
type of policy. It is often referred to as an HO-3 or special form
How do I go about submitting a claim for such
First, take immediate steps to prevent further damage and contact
our agency. We will verify your coverage and give you instructions
for preparing your claim.
Generally, you'll be asked for repair estimates for structural damage
and a list of items that will need repair or replacement. Depending
on the amount of damage, an appraiser from your insurance company
may need to see the damage. As with any insurance claim, keep all
How can I prevent such damage in the first
Frozen pipes. To avoid frozen pipes, wrap pipes that
are at risk in insulated heat tape and keep the building heat at
an adequate level throughout the winter. If you have a power loss,
however, you'll lose heat, too, so if you're away fmm home more
than a day or two, arrange for someone to check on things. It's
also a good idea to open cabinet doors to circulate warm air to
pipes on outside walls.
Also, if you'll be away for an extended period of time, drain your
pipes. If you're going to be out of the home for even a short time,
shut off the water supply. That way, if pipes do burst, the only
water that will be released into the house will be what's in the
pipes. Water won't continue to pump into the home, as often happens
when pipes burst.
If pipes freeze and burst, turn off the water supply before the
house warms and the water
in the pipes thaws, flooding the home.
Snow and ice buildup. Using a long-handled snow puller,
pull the snow from the roof, back just a few feet from the edge
of the eaves before ice has a chance to form. By simply removing
the snow along the edge of the roof, you will give melting water
a chance to drain from the eaves and prevent the formation of ice
dams that may damage your roof
Do not get on the roof to remove snow buildup. This is dangerous
and you could easily damage the roofing material, resulting in leaks
when it rains.
Any other questions? We'll be glad to help. Call 860-283-0278