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This important message is for all Texas commercial and multifamily property owners dealing with water damage claims from last month’s freeze who want the maximum settlement they deserve in minimum time.

As we are going through an unprecedented number of water damage claims, (estimated damages are as high as $90 Billion) I wanted to share with you 2 timely best practices to consider right now!

  1. Hire a local mitigation company to demo and dry out wet materials with IICRC credentials.
  2. Hire ICRS Public Adjusters to get you the fair and prompt settlement you deserve!

Should I hire a 3rd party water mitigation company to remove wet areas or do it in-house?

That is the question many commercial owners have been asking themselves. Onsite property management personnel are overloaded with work orders trying to retain tenants while water-damaged units that still may not have been properly mitigated run the risk of mold. Ready or not, your insurance company’s adjusters are coming. What the insurer’s representatives see during your inspections and who represents your interests can make a big difference in your claim settlement.

Water damage caused by frozen pipes destroyed this TX business

As trusted Public Insurance Adjusters representing Commercial and Multifamily property owners throughout Texas, our advice is to have property management personnel resources handle work orders for your business, check vacant units/areas for damages, and make sure air conditioning is on to help dry out moisture. Running the business vs mitigating damage are two separate activities and this is why you have insurance. So, consider engaging a professional water mitigation company to tear out wet materials, mitigate further damage and perform a proper dry out to help prevent mold.

TIP>> How are policyholders dealing with water damage assured that the mitigation vendor will defend their work to the insurer’s and not be obligated to pay anything more than what the insurer will pay? We recommend mitigation vendors and policyholders agree as follows:

  1. Do the remediation in phases with adjuster approvals. The process goes a little slower at times, but really substantiates the services performed and for the rebuild.
  2. Memorialize that the scope of work will be performed pursuant to 3rd party water damage restoration and remediation protocol.
  3. Payment terms are in accordance with Texas insurance code payment statutes.

7 Ways Commercial Building Owners Maximize Insurance ClaimsA reputable water mitigation contractor who uses professional certified restoration/remediation crews that have been trained on the S500 and S520 Restoration industry standards set by the IICRC process should have no issue documenting and supporting any reasonable and necessary scope of work or costs.

For more “pro-policyholder” tips on water mitigation and insurance claims please download our “7 Ways Commercial Building Owners Maximize Insurance Claims”.

Insurance claim driving you insane?

The first step you need to take is to shut off your water at the main shutoff valve, usually located at your water meter somewhere near the street, and open (turn on) all of your faucets (inside and outside). This step is very important because what causes burst pipes is the build-up of pressure in the lines; opening the faucets will help release that pressure once the pipes thaw.

1. How do I know if my pipes are frozen? First, temperatures outside typically need to be below 32 degrees Fahrenheit for pipes to have the potential of freezing.

The first indicator of frozen pipes is that you have lost your water supply or it is flowing slower than usual, but your neighbors still have water. If your neighbors are also out of water, it could be that your water provider has cut water to the neighborhood; contact your provider for updates.

Try turning on all of your faucets. If some of them have flowing water while others don’t, you have a localized issue that is not impacting your entire plumbing system. If some water is coming out, although slowly, leave it running; sometimes this is enough to melt the ice in the line. If there is no water, try to trace the plumbing line from that faucet back to where your water line comes into your home to determine where the blockage is located. It will most likely be in an uninsulated area.

If all of your faucets don’t have water when you turn them on, your main service line out in your yard (carries water from your water meter at the street to your foundation) could be frozen. This will only occur in extremely cold situations, typically below 20 degrees Fahrenheit with or without windchill.

2. What should I do if my pipes are frozen? The first step you need to take is to shut off your water at the main shutoff valve, usually located at your water meter somewhere near the street, and open (turn on) all of your faucets (inside and outside). This step is very important because what causes burst pipes is the build-up of pressure in the lines; opening the faucets will help release that pressure once the pipes thaw.

3. How do I thaw my pipes? We repeat: keep your faucets open and your water turned off while pipes thaw! Keeping the faucets open will also expedite the thawing process and allow the thawing ice to run through the pipes.

While it is important to try to thaw a frozen pipe as quickly as possible to avoid further damage, doing so yourself does come with risks. If possible, locate the section of pipe that is frozen and thaw it yourself using gentle heat (slowly warm it up). If you heat the pipes up too quickly, they can crack or melt due to the quick change in temperature! Try wrapping an electronic heating pad around the pipe, heating the area with a hairdryer, or both. Towels soaked in hot water will help as well. Apply until water runs normally.

If possible, locate the section of pipe that is frozen and thaw it yourself using gentle heat (slowly warm it up). If you heat the pipes up too quickly, they can crack or melt due to the quick change in temperature!
If you cannot locate the location of the blockage, increasing your home’s temperature may help (above 55 degrees Fahrenheit). Open all cabinet and closet doors to increase the temperature in these enclosed spaces. If you suspect that there are pipes in or above the garage, use space heaters to heat up that space as well. Make sure to keep heaters away from anything potentially flammable!

Your pipes will eventually begin to thaw on their own once the temperatures rise above freezing. As they do so, you may begin to hear your pipes making gurgling, clanging, or banging sounds as the ice begins to move. The hot water heater may do the same.

Slowly turn the water back on at the main shutoff valve and inspect for leaks. If there are leaks, be prepared to turn the water off again immediately. If frozen pipes have cracked, homeowners may need to seek a plumber as soon as possible.

4. Can my irrigation system freeze too? What about my pool lines? Yes and yes. It is best to winterize these systems in advance, but at minimum, turn off the system at the main controller. It’s also beneficial to shut off the system at your backflow device. If you have an above-ground backflow device then be prepared for it to be busted. Make sure you know where to turn it off at.

5. Can my sewer lines freeze too? This is very rare since typically only pressurized lines freeze, but it is possible. If there are foul odors escaping from your drains, it could indicate ice is blocking the drain. Follow the above recommendations for thawing the pipes.

6. Will my insurance cover the damage? Until you are able to contact your property insurance agent for details, document everything, from the time you notice the problem and every step you take to repair it. According to The Balance Small Business, if you have the proper insurance, they should help cover some of these costs, but not all policies cover damage from frozen pipes. Some policies have specific requirements you must follow in order to be covered, such as maintaining the heat at a certain temperature in your home or shutting off the water supply during absence from your home to prevent a potential flooding issue. An insurance company wants to see that you took reasonable measures to prevent a problem from occurring.

7. How do I prevent my pipes from freezing in the future? Unfortunately, infrastructure in southern states is not built for extreme cold, so rarely are your plumbing lines insulated well enough to handle below-freezing temperatures for extended periods of time.

Should you file a claim? It depends on your deductible, extent of damage, and coverage for these types of winter weather losses which can vary depending on your specific insurance policy. If your property is damaged, be sure to reasonably protect and mitigate against further damage, contact your insurance agent right away and tell them you have a loss. Keep financial records of expenses you incur, take photos and be safe! For help with your insurance claim, click here>> https://www.insuranceclaimrecoverysupport.com/free-claim-evaluation/.