Frozen Pipes & Water Damage Insurance Coverage

Have you prepared your home and Water Damage Insurance(potentially your pocketbook) for the cold weather that has arrived? If you live in Southern Indiana or Western Kentucky, you know how unpredictable the weather can be this time of year.

In this blog post, we’ll offer a few tips for preparing your home for extremely cold temperatures and avoiding problems such as busted or frozen pipes.

Preparing for Cold Temperatures in the Tri-State

How you can prepare your home for the extremely cold temperatures? Here are a few best practices to consider:

  • Cover outside faucets and exposed piping with a foam rubber or fiberglass sleeve (available at most at hardware stores).
  • Let faucets drip for the duration of a cold snap.
  • Be sure to routinely change your furnace filters and have your heating unit serviced regularly. You don’t want your furnace to quit working when the coldest days of the year hit!
  • Don’t turn the heat down when you leave the house or go to bed. Doing so could make it much harder for your furnace to keep the temperature stable when you are at home.

Dealing with Frozen or Busted Pipes

So, what should you do if you have a frozen or busted pipe? Here are a few quick tips:

  • Call a plumber immediately to make sure the leaking has stopped.
  • Dry the wet area and consider calling a professional water mitigation team.
  • Contact your insurance agent to start a claim right away.

Be Prepared for Winter with Water Damage Insurance Coverage

Some homeowners are surprised to learn that they are not be fully covered by their homeowners insurance policy for water damage. Ask your insurance agent if “water damage” insurance coverage needs to be added to your policy.

A brief conversation now could save hours of frustration in the future.

Contact Kincaid Insurance for a Policy Review

Does your homeowners insurance policy have the necessary coverage to protect you from the forces of winter?

If you’re not sure, feel free to contact our team and review your policy. If you’re not currently a Kincaid Insurance customer, we’d be happy to answer any questions you have or provide you with a free quote. Contact us for additional information.

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