Why: As temperatures drop, the composition of water changes—shifting the physical property from a flowing liquid to a sedentary solid. This results in a considerable amount of pressure being applied to the pipes. Regardless of the material (i.e. plastic, metal, etc), the strength of the pipes become compromised and will burst.
Pipes at risk for freezing:
How to Protect Against Frozen Pipes
*Please note, placing anti-freeze in pipes is dangerous and not recommended as it can be harmful to humans, pets, and the environment*
How to Prevent Frozen Pipes
How to Thaw Frozen Pipes
Does Homeowners Insurance Cover Burst Pipes (Per Travelers)
“Accidental water damage that occurs as a result of a sudden, unexpected occurrence like a burst pipe, is often covered by a homeowners insurance policy. In addition, cleaning, repair or replacement of wood flooring, drywall and even furniture due to water damage as a result of a burst pipe typically are covered.”
Coverages Needed for Broken Pipes
Dwelling: “…helps pay to rebuild or repair the physical structure of your home in the event of accidental water damage, fire, severe weather, vandalism or another covered cause of loss.”
Property: “Helps cover your belongings, such as furniture, clothing, sporting goods or electronics, in the event of a covered loss – whether they get damaged at your home, apartment or anywhere in the world. In the case of accidental water damage from a burst pipe, this means payment for professional cleaning or replacement of furniture and personal belongings, as long as accidental water damage is a covered cause of loss in your policy.”
Loss of Use: “…helps pay for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it’s being repaired or rebuilt. So, if a burst pipe has caused covered damage to your home making it unlivable, this coverage could offset things like hotel expenses and boarding for your pet while your home is repaired or rebuilt.
Information adapted and/or quoted from:
Policies and claims should be discussed on an individual basis with your agent. Coverage, prices, and needs vary depending on carrier and state. Please call our office at 814-308-5250 for more information.