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Frozen Pipes

Frozen Pipe Insurance Claim Help

Although we hate to admit it, winter is coming. When the temperature drops, pipes can break. Broken pipes can wreak all kinds of damage and when such a thing happens, a homeowner’s first thought is to call their insurer who will “take care of it”. Maybe the insurer will and maybe they won’t.

Coverage is afforded for pipe freeze-ups in policies under certain conditions. Most homeowner policies will provide coverage for broken pipes only if the insured has exercised due diligence in maintaining heat in the structure or has emptied and turned off water pipes on the property. If you don’t do that, please remember that negligence is not an insured peril.

Homeowners must be mindful of the challenges posed by frozen pipes and should take precautionary measures, keeping the utilities on where possible. However we are often asked, what is the ideal temperature to heat your home so that an insurer will not be able to deny coverage?

It is Brown – O’Haver’s experience that there is no standard for the amount at which a thermostat should be set, partly because of variables such as how insulated the pipes are in the dwelling and the severity of the outside temperature. However, the Institute for Business and Home Safety recommends temperatures in home be set no lower than 55 degrees.

That 55 degree temperature recommendation is also our recommendation. An insured should not set their thermostat any lower than 55 degrees in order to keep pipes from freezing.

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