Downtown North Pole, Alaska

Can You Choose the Contractor When Filing a Claim for Frozen Pipes? April 5, 2019

Downtown North Pole, Fairbanks North Star
Can You Choose the Contractor When Filing a Claim for Frozen Pipes?, Fairbanks North Star, Alaska

Your home’s radiant heating system relies on a series of heat loops to warm your floor and house. Unfortunately, if a portion of it is exposed to extreme cold, supply lines or underfloor pipes may freeze, expand, and burst, leading to indoor flooding. Fortunately, by teaming up with the right Heating contractor and working with your homeowner’s insurance company, you can resolve the problem and prevent future issues. Here is a little more information about who you are allowed to hire if you have a frozen pipe in your home due to a heating system issue. 

Understanding the Contractor Hiring Process

What Are Your Rights as a Homeowner? HVAC contractor

When you call to file a homeowner’s insurance claim for your broken pipe and indoor flooding, your insurer will likely recommend a list of pre-approved heating contractors to correct the underlying issue. Although your insurance company might strongly suggest working with a name they supply, the fact of the matter is that you are legally allowed to hire whoever you want to do the work. In fact, your homeowner’s insurance company isn’t allowed to discriminate against you based on your decision and must continue the normal claims process until the necessary radiant heating repairs have been completed. 

Why Would Insurance Want to Choose Your Provider? 

Although homeowner’s insurance companies typically state that chosen heating contractors and other professionals have contracted rates with the insurance companies, those lower prices won’t help you. In fact, contracted rates between your insurance company and their contractors are designed to reduce costs for the insurance company, not for you. Also, letting your insurance company dictate who you work with also means that they have the right to choose the scope of work performed, which could mean you may not be happy with the end result.

On the other hand, when you screen potential heating contractors and follow the work on your own, you have more control over the process. For instance, you can choose to work with a heating company that specializes in radiant heating, which could improve the quality of the repairs. 


Whether you are having trouble with your radiant heating system or your furnace is on the fritz, calling Kraft Heating is a fantastic way to start working toward a solution. As a locally owned and operated company that has been trusted by the people of Fairbanks, AK, for over 20 years, you won’t find heating contractors more dedicated to making your home comfortable. Learn more about how they help their clients by visiting their website, or give them a call at (907) 488-8989.

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