Is Damage Due to Frozen Water Pipes Covered by Homeowners Insurance in Lafayette, CO?

During the winter months, it is possible that the water pipes and other pipes throughout your house can freeze due to the low temperatures. Depending on your homeowner insurance policy, the options that may be available to help pay for damages to your home in Lafayette, Colorado may vary.

Basic Policy

Many insurers offer solutions to help pay for the damage to your home if your pipes are frozen throughout the winter months. Depending on the situation and your efforts to prevent damages, you may be covered for frozen pipes and any damage associated with the pipes.

Although insurers may offer some solutions, clauses and exceptions may be stated in your policy. Take time to review your policy before you make a claim to ensure that there is not a clause or exception that fits your situation. For example, if the frozen pipes are related to negligence because you turned your heat off while you were out of town, then your insurer may refuse to pay for the damages and you may have a clause in your policy that makes it legal.

Making a Claim

If your policy covers your specific situation, then you can make a claim to pay for the damage. Obtain an estimate and give proof of the damage. In some cases, insurers may send a representative to confirm your claim and evaluate the extent of the damages.

It is important to understand the details of your homeowner’s policy before you make any decisions about the best solution for your home. Depending on the situation, you may or may not have coverage in your current policy. Contact the 1st American Insurance Agency to talk to an independent agent to learn more about homeowners insurance.