4 Common Winter Home Insurance Claims And How To Prevent Them | Immovable

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Ben moore

Whether it’s dropping temperatures or a blizzard of blackout, winter weather can wreak havoc on a home. But you can prevent disaster with preventative measures.

Here are four common types of winter-related home damage and how you can prevent it, and how home insurance works if you can’t.

1. Burst water pipes

If your kitchen faucet isn’t working on a cold winter morning, you could have a frozen water line. Frozen pipes can burst and cause accidental water damage, which can be costly to repair.

To prevent pipes from bursting, let your faucets drip on colder days, which will keep the water in the pipes from freezing. Use sleeves or newspaper to cover pipes in spaces exposed to colder temperatures, such as basements and attics. If a pipe freezes, immediately turn off the water, then use a heating pad or hair dryer to thaw the frozen water.

But don’t worry if a pipe bursts. “Almost all [home] the insurance policies will cover damage resulting from a broken pipe, ”says Steve Wilson, senior underwriting manager at Hippo Insurance. After you’ve paid your deductible, your home insurance will pay up to your policy limits. Your home coverage will cover the cost of home repairs, while your personal property coverage will cover damaged property.


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