Homeowners insurance typically covers freeze-related damage, such as burst pipes or roof collapse due to ice accumulation. However, if the insurance company determines that you failed to take reasonable measures to prevent damage, your claim may be denied. Understanding policy requirements and best practices can help ensure your claim is approved.
The Role of Negligence in Insurance Claims
Insurance policies often include a duty of care clause, which requires homeowners to take reasonable steps to maintain their property. If an insurer believes negligence contributed to the damage, they may refuse to pay the claim. Examples of negligence include:
- Failing to keep the heat on during freezing temperatures.
- Not insulating exposed pipes or allowing faucets to drip.
- Ignoring maintenance issues that worsen during a freeze, such as leaks or cracks in the home.
Policy Requirements for Preventing Freeze Damage
Many homeowners policies specify preventative measures homeowners should take, such as:
- Maintaining Heat: Some policies require homeowners to keep their home heated to a minimum temperature (e.g., 55°F) during cold weather.
- Winterizing the Property: If you’re away for an extended period, insurers may require you to shut off and drain the water supply or have someone check on the home regularly.
- Promptly Addressing Leaks and Minor Damages: If an insurer finds that a slow leak or prior damage contributed to the freeze-related issue, they might argue it was preventable.
How Insurance Companies Investigate Freeze Damage Claims
After filing a claim, an adjuster will inspect your home to determine:
- The cause of the damage: Was it a sudden freeze, or was there evidence of long-term neglect?
- Preventative actions taken: Did you take reasonable steps to protect your home, such as keeping the heat on?
- Condition of the home: Were the pipes properly insulated, and was there any deferred maintenance that contributed to the issue?
How to Ensure Your Claim Isn’t Denied
To improve your chances of claim approval:
- Keep records of heating bills to prove your home was heated.
- Take photos of your pipes, insulation, and any preventative measures you’ve taken.
- If leaving town, ask a neighbor to check on your home or turn off and drain your water system.
Conclusion
Yes, your home insurance claim can be denied if the insurer determines that you failed to take reasonable precautions to prevent freeze damage. To protect your claim, follow your policy’s guidelines and document your preventative efforts.