Learn how to prevent pipes freezing and avoid a request for burst pipe!
For many of us across the United States, the first blast of the cold winter weather hit us this past weekend. Love it or hate it, it's here!
We often Let's view tips on our Facebook page and our website on preparing for cold weather prevent some of the damage that comes with is (as frozen pipes as shown in our video at left). But if, despite all your efforts to follow those guidelines and reduce your risk, you end up with damage of winter? Are you covered? Traverse some very likely scenarios and determine what coverage you may have under the policy of a basic, non endorsed owner
Scenario 1 :. Have you experienced several days of temperatures in the single digits and cold weather caused a pipe to burst into your home. What is covered
Answer: As long as you have not left your house unoccupied and cold, most homeowners policies provide coverage for the broken pipe and damage to water resulting from your home and your furniture covered
Scenario 2 :. significant snow fell, causing damage to a part of your roof and allowing water to flow into your home. What is covered
Answer: Damage to your roof caused by the weight of snow or ice damage to ceilings and walls of water leakage and damage to water to your home or your furniture will be covered.
Scenario 3: a winter storm blows through causing a tree to fall. Depending on where he was and where he fell, which is covered
Answer:
- If the tree is on your property and damages your roof, most homeowner's policies cover the cost to remove the tree and repair damage to your home.
- If the tree is on your property and damage of the house of your neighbor, your neighbor must file a claim under their insurance policy.
- If the shaft of a neighbor falls on your property and damages your home, your policy owner must pay for damages and reimburse you up to a certain amount for the costs of removal of 'tree.
- If the tree falls on your property, but causes no damage to anything described in your owner policy (which usually means your house, garage, shed), you not not have coverage for the removal of the tree, unless it blocks a driveway to your home or preventing blocking a ramp or other device designed to help a disabled person to enter or leave your home
to learn more about tree damage, see our blog tree damage -. Are you covered [
Scenario 4: A huge chunk of ice falls off your roof and lands on your car (believe me - strange things have happened!) . What is covered
Answer:. If your auto insurance policy includes full coverage on the car damaged, the damage would be covered
For more information on the prevention of damage caused by ice, see our blog The Cold Truth About Ice
As shown above, the man winter can cause severe damage. - Do not wait until something happens whether you are covered. Be proactive and take steps to reduce the risk of freezing weather damage and discuss your concerns with you coverage independent agent. Have you ever had the winter weather damage? Tell me if it was covered!
The warranties described above are in the most general terms and are subject to conditions and actual policy exclusions. In the language of the actual cover, conditions and exclusions, please refer to the policy or contact your agent.
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