As winter approaches, one of the most common home insurance claims we see involves damage from frozen pipes. At LWG Insurance, we understand the importance of preparedness and prevention. Here are some essential tips to help you safeguard your home against the cold:
Why Frozen Pipes are a Concern
When water freezes inside pipes, it expands, which can lead to cracks or bursts. This not only causes significant water damage but can also lead to costly repairs and insurance claims. Here are some tips on how you can prevent this:
1. Keep the Heat On
- Even if you’re away from home, maintain a minimum temperature of 55°F. A consistent, warm temperature helps prevent freezing.
2. Insulate Pipes
- Especially those in unheated areas like basements, crawl spaces, or attics. Use foam pipe insulation or heat tape for exposed pipes.
3. Seal Leaks
- Check for and seal any areas where cold air might enter near pipes. This includes doors, windows, and any cracks or holes in outside walls.
4. Open Cabinet Doors
- Allow warmer air to circulate around plumbing. This is particularly useful under kitchen and bathroom sinks.
5. Allow a Trickle
- For severe cold spells, let a small trickle of water run from faucets connected to pipes that run along exterior walls.
6. Disconnect Outdoor Hoses
- Remove and store hoses, then close all outdoor faucets. You might also consider installing outdoor faucet covers.
7. Know Your Shutoff Valve
- Locate your main water shutoff valve now, so you’re prepared to act quickly if a pipe does burst.
What to Do If Pipes Freeze
- Turn off the water: Use the main shutoff valve.
- Thaw Pipes: Use a hair dryer or warm, wet towels. Never use an open flame or high heat source which could start a fire or cause pipes to burst from sudden expansion.
Insurance Considerations
While homeowners insurance typically covers water damage from burst pipes, prevention is key to avoiding claims and maintaining lower premiums. Here at LWG Insurance, we recommend reviewing your policy to understand what is covered, especially concerning winter-related damages.
Remember:
- Regular maintenance can prevent many cold weather issues.
- Implement these tips before the first freeze to ensure your home is ready for winter.
For more detailed advice or to discuss your home insurance coverage, contact us at LWG Insurance. Stay warm, stay safe, and let’s keep those pipes flowing smoothly through the winter!
Disclaimer: Always consult with insurance professionals for advice tailored to your specific home and insurance policy.