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Frozen Pipes Insurance Coverage

frozen water pipes insurance claim

The state of Oklahoma has had record-breaking cold temperatures and above average snowfall so far this winter season. With colder temperatures, the danger of frozen pipes and pipe bursts increase significantly. If a broken pipe is not caught quickly, the subsequent water damage can be devastating. Most insurance policies do provide coverage for water damage, but with varying criteria for what type of water loss is covered and/or stipulations that must be met in order for coverage to apply. For example, some policies require that all utilities are active and turned on in order for a water loss to be covered; others simply require that the property has heat for coverage to apply. Still others have set limits for how much the insurance company will pay for a water loss that is usually less than the policy limit stated on the declaration page.

Knowing what immediate steps to take following a water loss is also vital. The insurance policy requires that a home or property owner take the necessary steps to mitigate the damage. This includes stopping the water source by turning the water off to stop the flow of water, having a plumber repair the damaged pipe or failed part, and cleaning up wet materials timely to prevent further damage. Once these steps have been started, the insurance company will send out an adjuster to assess and document the damages.

Understanding what the insurance company is responsible to pay for and knowing what steps to take can be a challenging task for any property owner. Brown O’Haver has a staff of licensed public adjusters that are knowledgeable in navigating a loss and can help you with your claim.

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