Have you properly winterized your home? If not, you might feel uneasy about the possibility of your pipes freezing this season. While most understand that their homeowners insurance policy covers damages due to frozen pipes, they may not be aware that their actions play a key role in whether the claim is paid. Kleppinger Insurance, LLC, provides quality products to their clientele in Bethlehem, PA. Below they outline three ways you should handle the situation.

Addressing Frozen Pipes Via Homeowners Insurance

1. Take Immediate Action

For your claim to be accepted, you must prove that you took action to prevent the freeze and thaw it immediately. Remove all furniture and debris from the area. Your insurance company will want proof that you took measures to avoid any further damages from happening. If a pipe burst, do your best to dry out the affected spaces, as mold can easily form. 

2. Call Your Insurance Company Immediately

Call your insurance agency and notify them of the frozen pipe. Your adjuster will want to assess the damage as soon as possible, including harm to your property. They will help you with any necessary paperwork, as well as advise you on the best steps to take to prevent further problems in your home.

3. Create Documentation for Your Insurance Company

Take photos of the frozen pipe. Though you will be busy with taking care of any harm to your home, it’s important to record images of the incident as you found it, including damaged furniture and personal property. You should also keep all related receipts to turn in with your homeowners insurance claims documentation. 

If you’re concerned about what steps to take if your pipes freeze this winter, consult with the qualified agents at Kleppinger Insurance, LLC. They provide tailored solutions for their clients and will help you find the best products for your needs or optimize your current plan. Call them today at (484) 357-1485 to schedule an appointment, or visit their website to get a homeowners insurance quote today.