Water damage insurance claims from a pipe burst and the ensuing damage that occurs is one of the most common causes of property damage and should be covered by most homeowners and commercial insurance policies. However, not all insurance policies are alike and each property owner should take the time to check for coverage either by calling their agent or reading their specific policy. Some policies require the insured to maintain a certain temperature in buildings and homes. Failing to maintain policy requirements with these types of clauses in them can trigger a claim denial, so beware.
Most pipes burst due to freezing temperatures. When water freezes, it expands. If it expands enough, the pipe bursts, water escapes and serious damage ensues.
When something in your house or building gets clogged it puts a lot of pressure on your pipes. It can be a plugged toilet or the water pump itself has become clogged. When the pressure becomes too much for your pipes to handle they expand, leading to burst pipes. This can happen suddenly if you are not doing routine maintenance on your water pump, systems and fixtures.
Some examples of this are a pipe break within the wall or a supply line to a plumbing source. An attic mounted water heater failure; though clean water is released it is running through dirty insulation and often times attics prior to its final destination. There are times when clean water losses may become grey water losses.
Some examples of this are overflows from your washing machine, toilet overflow or tub overflow. A washing machine, though clean water is considered grey because of the organic matter contained inside of it, which can include hair follicles, skin cells, and even fecal matter.
Some examples of this are sewage backup, and surface water flooding. Often times, there are special limits to the amount of coverage provided for sewage backup and no coverage for flood (flood will be insured through the National Flood Insurance Program and in rare cases attached as a rider through your mortgage company). In the event black water damages are not mitigated immediately and properly, mold damage is inevitable.
Precautions to Prevent Freezing Pipes:
Here is a list of things you can do to help protect your pipes from freezing:
Monitor Freezing Pipe Conditions
If a Pipe Freezes
If a Pipe Bursts
Consider talking to a professional Public Adjuster with the experience needed to get the settlement you deserve.