Frozen Burst Pipe, Water Damage Cleanup Macomb County MI
Each year, pipes freeze in the homes of more than 100,000 Michigan families, according to State Farm™ Insurance. Dropping winter temperatures can cause extensive water damage as pipes begin to freeze and burst, causing water damage to walls, ceilings, floors, furniture and other possessions. Even a small crack in your water pipe can leak enough water to flood your home. In fact, in just one day, 250 gallons of water can be discharged from a pipe crack as small as 1/8 inch. So, it is imperative to be proactive and take action to protect your home.
Is a frozen pipe / broken pipe covered on my home insurance?
A home owner’s policy does not cover a damaged pipe from freezing water. The home owner will be responsible for repairing the broken pipe and any associated plumber costs. Maintenance repairs are always the homeowner’s responsibility.
The good news, all home owner’s insurance policies do cover water damage from a frozen pipe. So what does that mean exactly? Well, it means if you have inches of standing water damaging your floors, dry wall, and belongings, your insurance policy will cover the damage minus your deductible. Most Michigan home policies come with a flat rate deductible such as $500 or $1000.
Strategies to Prevent Water Damage from Frozen Burst Pipes
Before extreme weather strikes Michigan, prepare your home to prevent water damage before it occurs. When temperatures dip, take immediate action to prevent water damage:
- Open bathroom and kitchen cabinets to allow warm air to circulate around water pipes.
- Open taps throughout the house to allow water to drip and to keep water pipes from freezing.
- When going out of town, keep thermostat at 55 degrees and ask a trusted neighbor or friend to watch your home for possible leaks. Also, turn your water off and drain water supply lines.
Keep in mind that homeowners’ insurance companies are more apt to pay your water damage claim if you can show that you have done your due diligence and maintained your property in a reasonable manner.