What cold-related house damage does your insurance cover?

Great article by WTOP on what your insurance will cover when it comes to cold-related damage. I've already had several people tell me they have frozen pipes and driving today, I saw road crews working in the street in what appeared to be broken pipes.

Stay warm out there!

-Whitney Minnich

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What cold-related house damage does your insurance cover? You may be surprised

By Mike Murillo | @MikeMurilloWTOP
February 20, 2015 5:02 am
http://wtop.com/local/2015/02/cold-related-house-damage-insurance-cover-may-surprised


ROCKVILLE, Md. — The cold isn’t just dangerous for you; it can also be bad news for your home. Insurance companies are expecting an uptick in cold-weather claims from damage brought on by Mother Nature, but a homeowner’s insurance policy doesn’t cover everything.

Damage from a frozen or burst water pipe is covered. In addition to repairs made to the home, Rick Stein, of the Rick Stein Insurance Agency in Rockville, Maryland, says you can file a claim for the cost associated with removing mold caused by the break.

A bitter cold snap is creating the conditions for a long-lasting snow event in the D.C. area.
Insurance companies expect burst pipes to be the most common problem during the frigid weather.

“It’s not so much snow; it’s cold, so they’re expecting burst pipes,” Stein said.

Homeowner’s insurance also covers any water damage caused by an ice buildup on the roof.

Some things that won’t be covered, though, include damage caused by melting snow seeping into the home through the foundation. Also, a homeowner can’t file a claim for damage if the house is vacant.

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© 2015 WTOP. All Rights Reserved.

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