Take Steps Now to Prevent Frozen Pipes Later
The PIA reminds homeowners and businesses that now is the time to prevent your pipes from freezing. Winter can bring extreme cold temperatures. It does not have to snow and sleet for your household pipes to freeze. Anytime the temperature reaches 32 degrees or below, if your pipes are not properly winterized, it could mean disaster for your home or business.
“Subject to a deductible, most homeowner’s policies cover damage resulting from frozen pipes, including the repair of the pipe,” said Stephen Tague, CPIA. “Your policy will cover dwelling damage, and damage to personal property, such as furniture and rugs. Tenants of a residence can get similar coverage for personal property by purchasing a renters policy and business owners can purchase similar coverage for business property.”
However, PIA warns, no coverage exists for frozen-pipe damage to an unoccupied home or business; unless heat is maintained in the building or the pipes have been drained.
Even though most homeowners’ policies cover such damage, it’s important to prevent it before it happens. An eighth-inch crack in a pipe can send up to 250 gallons of water flowing in a day, destroying equipment and files; wrecking floors and furniture; and costing homeowners
and businesses a lot of money.
By taking a few simple precautions you can save yourself the mess, cost and aggravation frozen pipes cause.
With a little attention and simple maintenance, you can help prevent pipes from freezing. Pipes that freeze most often are those exposed to the severe cold, such as those located in unheated interior areas like basements or attics, crawl space, garages and kitchen cabinets.
Some measures suggested for safeguarding pipes and property include insulating the pipes in these areas.
Additionally, make sure you seal leaks that allow cold air inside near the pipes. Look for air leaks and use caulk or
insulation to keep the cold out and the heat in.
Water supplies to outside valves (hose bibs) usually have a shut off valve inside the house. The homeowner should shut the inside valve and open the outside valve. If water continues to drip outside, there may be a leak at the inside valve. You’ll probably need to call a plumber to fix this.
For pipes in crawlspaces and garages, it may be necessary to wrap the pipe with and electrical insulator. These wraps act like heating pads for the pipe to keep the fluid from freezing. If your pipes do freeze, don’t take any chances. If you turn on your faucets and no water comes out, leave the faucet on, turn off the main shut-off valve for your water supply and call a plumber. Take immediate steps to prevent further damage.
If damage has occurred, contact your professional insurance agent. He or she will be able to guide you through the claims process.
For more information contact us:
Page Insurance, Ltd
102 Boston Street
Guilford, CT 06437