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When is water damage covered by insurance for pipes bursting?

“Most homeowners insurance policies will cover the ensuing damage from a burst pipe. If there’s a flood in the living room and water soaks through the flooring, baseboards and drywall, your policy will cover it — to a certain extent. Your insurance may also cover the costs of temporary relocation if the home is uninhabitable.

If the pipes ruptured because you didn’t drain water or keep them warm when you could have, insurance may not cover the damage. Most policies will expect you to take reasonable steps to protect your home, but thanks to the power grid failures that left more than 4 million people without heat this week, there were only so many things people could do to keep their pipes from bursting. Sudden and accidental leaks are generally covered.

Before insurance coverage kicks in, though, you may have to pay the cost of your deductible.”

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The above excerpt from the source article references the unusual cold freeze that Texas endured earlier this month. Given that dire situation, it’s understandable that many homeowners did not have the proper means to ensure their home is protected from the cold. However, residents who live in colder climates like in the northern USA, are expected to take the proper precautions and actions to prevent or greatly reduce the chance of frozen pipes bursting.

Bauer Restoration understands that no matter how well prepared you are, accidents happen. If your home or business has been recently flooded call us at 507-333-9838. Our water damage restoration experts are ready to help in your time of need.