Burst pipes become a pressing concern for homeowners once winter temperatures reach freezing. Water damage can wreak serious havoc on a property, and it’s not always clear if homeowners insurance will cover the necessary repairs. Here’s what you should understand about your policy before attempting to file a claim due to a broken pipe.  

What to Know About Burst Pipes & Homeowners Insurance 

Why Are Pipes at Risk of Bursting in Winter?

When water freezes, its molecules crystallize and expand. If this happens within a pipe, the frozen water will be pushed toward closed faucets, causing a great deal of pressure to build. Eventually, this can result in a pipe rupture. Pipes that have the highest risk of bursting are those located outside and away from a home’s insulation and in unheated areas, such as the basement, attic, and crawlspace.

Are Burst Pipes Covered by Homeowners Insurance?

A standard homeowners insurance policy will usually cover sudden and accidental water damage caused by a burst pipe. Your coverage will take care of repairs and the replacement of personal items up to your policy limits. However, if it’s determined that a pipe burst due to neglect or lack of maintenance, there’s a chance your claim could be denied. Homeowners have a responsibility to do what they can to keep their property in good condition.

How Can I Prevent Pipes From Rupturing?

There are several preventative measures you can take before the cold weather takes a toll on your plumbing system and causes a pipe to rupture. To start, insulate vulnerable pipes with fiberglass or foam sleeves, and turn off the water valves to outdoor faucets. If you will be away from home for an extended period during winter, drain the plumbing and leave your heater on at a low setting. It’s also a good idea to open your faucets and let them trickle whenever freezing temperatures are expected, as this will keep water pressure from building. 

If you have questions about whether or not your current homeowners insurance policy provides adequate protection in the event of water damage, contact Integrity Insurance Solutions. They are your go-to source for everything you need to know regarding coverage for burst pipes and other plumbing mishaps. Over the past decade, they have worked with numerous San Marcos, TX, residents, helping them to explore all their insurance options and thoroughly compare plans and prices. Call (512) 396-2211 to set up an appointment, or visit their website to learn more about the services they offer.