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Winter temperatures bring many issues when it comes to your home. While homeowners insurance provides coverage in the event of most incidents, you might be wondering whether or not it will cover you in the event of frozen pipes. Taake Insurance Agency LTD has provided quality insurance products to the residents of Columbia, IL, for over 40 years. Below they share a brief guide to frozen pipes and your insurance coverage.

Understand Your Homeowners Insurance Policy

Each policy is different, and it is up to you to know what it covers. In general, these types of policies will cover frozen pipes, as they lead to large leaks and eventual flooding. In fact, frozen pipes are the second most frequent reason for homeowners insurance claims in the United States. However, carefully read the provisions of your policy, as they vary from house to house. 

Do Your Due Diligence as a Homeowner

homeowners insuranceAs the homeowner, you should do your best to prevent frozen pipes. Before winter hits, check the pipes for any signs of cracks or leakage. Remove and store your garden hoses, and keep the garage closed. Try to keep the indoors of the home temperate, which prevents the pipes from freezing. If you do end up filing a claim, try to stop the leak from worsening and causing major flooding in the home. Insurance companies may not cover the claim if flooding has occurred. 

If you have questions about how the winter weather affects your coverage, the agents at Taake Insurance Agency LTD in Monroe County are on hand to assist you. With personalized attention to your situation, they will provide you with the best homeowners insurance package available. They also offer business and car insurance. Call (618) 281-7656 or visit their website for more information. 

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