Water Damage Claims: Frozen Pipes, Broken Pipes & Plumbing Leaks
It is easy to prevent burst pipes that cause water damage are likely to be refused by insurance companies that cover homeowners. In the event of a disaster, we'll talk about how to prevent it from happening and how to make sure your insurance company isn't denying this kind of property damage claim.
Then, some background. According to Verisk Analytics ISO property damage claims general accounted for 98.1 percent of all homeowners insurance losses "water damage as well as freezing" made up nearly one-fifth of all property damage claims (source). This amounts to about one-in-five of all homeowners ' insurance claims that were filed between 2013 and 2017.
Pipes freeze and burst, causing water damage and leaks in the plumbing
In the same five-year timeframe one-in-fifty homeowners made water damage claims. The average cost for claims was $10,182. That's quite a bit of damages! If pipes freeze and then burst when they leak, it causes damage to flooring, drywall and trim, paint, furniture, doors, windows and more. It can cause havoc.
Everyone would hate to see this happen to their home, or business. Follow the advice below to make sure you are taking every precaution to avoid water damage from damaged, frozen, or burst pipes.
There are two major areas of advice to avoid freezing pipes as well as the harm they cause: controlling the temperature of air and controlling flow of water.
Control Temperatures of Air by Insulating Water Pipes
Sealing leaks that allow cold air to enter the walls where water pipes are installed is feasible. There are a myriad of products that can be used to help you do this. We supply insulating foam sealant to our clients as well as their residences. You can use it to fill in and seal gaps in siding, cracks in the wiring that enters the house, etc.
- Caulking the leaks that could occur can help to prevent leaks, too. Be aware the fact that the damage to water caused by damaged pipes is the most frequent when water pipes in exterior areas are frozen. This is the reason why this is an ideal place to begin when trying to prevent freezing problems with plumbing.
For easy ways to insulate your pipes, check out pipes insulation products at retailers like Home Depot. Also, you can use the product known as "heat tape" that helps warm pipes whenever needed so that they don't freeze in the winter. It's best to call a qualified, licensed professional plumber to assist you with this.
Stop Freezing by Controlling Water Flow
Keep a few faucets open until temperatures fall significantly this winter , to make sure your water pipes aren't frozen.
It is also important to turn off all exterior water valves, and then disconnect the water hose from your spicket. When the hose is connected it is impossible for water to drain out of the hose in the bib. This is likely to lead to freezing and bursting when temperatures drop. To prevent freezing, turn off your hose as soon as temperatures drop below zero.
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