Snowfall has been hitting record inches in several states, including Louisiana, Florida, and Texas. With temperatures in the 20s and 30s and refreezing, many are wondering what this could mean for their property.
Freezing conditions can cause pipes to break, therefore causing costly water damage. Although home insurance usually covers such events, you have to follow a disciplined procedure to make a valid claim. This guide should assist you in negotiating the procedure.
Examine and Record the Damage
Finding the degree of the harm frozen pipes create comes first. Search for indications of structural damage, ruined furniture, or water leaks. As proof to back up your allegation, snap crisp pictures and videos of the impacted locations. Talking about the claim with your insurance company calls for this kind of material.
Lessen Additional Damage
Your policy most certainly calls on you to act to stop more damage. Immediately stop leaks by turning off the primary water supply. Mop up standing water and move belongings to a safe location. Keep receipts if you purchase items like tarps or fans, as these costs may be reimbursed.
Review Your Insurance Policy
To know what your home insurance policy covers, carefully go over it. Most standard policies include coverage for water damage caused by sudden and accidental pipe bursts. However, claims may be denied if the damage occurred due to negligence, such as failing to heat your home during freezing conditions.
Notify Your Insurance Company
Contact your insurance provider as soon as possible to report the claim. Provide a detailed explanation of what happened and share the photos and videos you took. Be honest and thorough in describing the incident.
Schedule an Inspection
An insurance adjuster will likely visit your property to assess the damage. Be present during this inspection to answer questions and provide additional details. Make sure to point out all affected areas to ensure nothing is overlooked.
Keep Track of Expenses
If you need to temporarily relocate or make emergency repairs, save all receipts. Your insurance may cover these costs under additional living expenses (ALE).
Follow Up on Your Claim
Stay in communication with your insurance company to make sure your claim is processed efficiently. If approved, you’ll receive a payout to cover repair costs and other damages.
By acting quickly and providing thorough documentation, you can streamline the claims process and make sure that your home insurance covers the damage caused by frozen pipes.