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Does Homeowners Insurance Cover Frozen Pipes?

Does Homeowners Insurance Cover Frozen Pipes?
April 23, 2022

Does Homeowners Insurance Cover Frozen Pipes?

You may have heard nightmares about frozen pipe damage. A burst pipe is one of the most frustrating issues a homeowner can face. For this reason, many people wonder whether their insurance company would take care of a pipe repair service following an emergency caused by frozen pipes. The team at Mr. Rooter Plumbing of Atlanta, Georgia, helps local homeowners and businesses find ways to improve their plumbing systems' safety, efficiency, and longevity. Hiring a local plumber for winterizing services can help reduce your chances of dealing with frozen pipes. Still, it’s important that owners understand how to deal with the aftermath if such a crisis ever occurs. Here is some information to help you navigate the process if you need a pipe repair because of freezing temperatures.

Do Insurance Companies Cover Water Damage Caused by Frozen Pipes?

While every insurance policy is different, most companies will include burst pipes and the damage they cause. Renter’s insurance will generally cover this kind of an emergency, or the contract you have with the landlord will guarantee that they will pay for repairs. Either way, in most cases, property owners and tenants alike should have access to funds if a frozen pipe causes major water damage. Keep in mind that neglecting to perform a repair on damaged pipes after being forewarned could complicate matters. However, insurance issues should be less common for property owners who have made maintenance and repairs a priority.

What Is Involved in a Pipe Replacement Service?

The first step is to have a professional plumbing inspection service. This will pinpoint the exact source of the pipe damage and the water leak. Once the cause has been properly diagnosed, then the plumber can assess the condition of the pipe and determine the next steps. If the pipe is easily accessible, like under your kitchen sink, then the repair can be fairly straightforward. However, if a pipe has burst in your foundation slab, for example, the repair and replacement project may require a substantial amount of time and labor. Other contributing factors might include the length of the pipe that has suffered damage, the type of materials involved, and how long it takes for the plumber to take care of the problem.

Tips for Handling Insurance Claims for Your Pipe Repair

Communication is the first key to a successful claims process. You should contact your insurance company immediately following any kind of major water damage or plumbing problem. Your insurance agent should be able to evaluate the situation, explain your specific policy details, and guide you through selecting a plumbing and restoration company to fix the damage.

Do You Need a Reliable Plumber for Your Pipe Repair Service? Give Us a Call

Are you struggling with frozen pipes? If you’re looking for an experienced plumber in the Atlanta, GA, area, call the professionals at Mr. Rooter Plumbing today. Our dependable local technicians are always ready to help local property owners improve the condition of their pipes and fixtures. Contact our office for more details or to schedule an upcoming pipe replacement, pipe repair, or winterization services in Atlanta, Georgia, or a nearby location.