Does your homeowner’s insurance policy include comprehensive perils? Do you know what that means? Nearly every insurance policy has exclusions (perils that the policy excludes against). The exclusions can include earthquakes, flooding, and sump pump failure.
The short video below will help you with your understanding of what your homeowners insurance policy may or may not cover.
As always consult with your agent if you have specific questions about your homeowners insurance
Posted in Frozen Pipes, Hamilton County Insurance, Homeowners Exclusions, Homeowners Insurance, Identity Theft Protection, Replacement Value Insurance, Uncategorized
- Tagged Actual Cash Value, Bragg Insurance, Hamilton County Indiana Insurance, homeowners, homeowners deductible, Homeowners Insurance, Homeowners Insurance Savings, How much insurance do I need?, Newlyweds, Protection from financial ruin, Roof Replacement, Savings Money, Sheridan Indiana
As we take the polar bear plunge into the depths of winter, not only do we have to be concerned about keeping our bodies warm, but we also need to take precautions for our homes. Indiana homes are especially susceptible to the cold weather with snowfalls along with periods of melting and then freezing, and then melting and then freezing….etc. This freezing and thawing can inflict considerable damage to our homes.
So, here are some tips and steps that you can take to protect your home from these periods of freezing and melting temperatures.
- Keep sidewalks and entrances to your home free from snow and ice.
- Watch for ice dams near gutter downspouts. Keep gutters free of leaves and debris so melting snow and ice can flow freely. Ice dams can cause water to build up and seep into your house.
- Keep the house heated to a minimum of 65 degrees. The temperature inside the walls where the pipes are located is substantially colder than the walls themselves. A temperature lower than 65 degrees will not keep the inside walls from freezing.
- Identify the location for the main water shutoff in your home. Find out how it works in case you have to use it.
- Open hot and cold faucets enough to let them drip slowly. Keeping water moving within the pipes will prevent freezing.
- If you own a swimming pool and temperatures are expected to dip below freezing, run the pool pump at night to keep the water flowing through the pipes.
- If you haven’t already, make sure all hoses are disconnected from outside spigots.
- If your garage is attached to your house, keep the garage doors closed. The door leading to the house is probably not as well-insulated as an exterior door.
- If ice forms on tree limbs, watch for dead, damaged or dangerous branches that could break and fall because of ice, snow or wind and damage your house, a car, or injure someone walking near your property.
- If you use fireplaces, wood stoves and electric heaters, watch them closely and make sure they are working properly.
- Remember to close the flue in your fireplace when you’re not using it.
- If you have to leave your home on a trip, ask a neighbor to check the house regularly. If there is a problem with frozen pipes or water leakage, attending to it quickly could mean far less damage.
- If you plan to be away for an extended period of time (or if temperatures are expected to remain below freezing), have the water system, including pool plumbing, have the water system drained by a professional to keep pipes from freezing or bursting.
If the worst has occurred and you have a problem with your home related to the winter weather, here are some other helpful suggestions.
- If you discover that pipes are frozen, don’t wait for them to burst. Take measures to thaw them immediately, or call a plumber for assistance.
- If your pipes burst, first turn off the water and then mop up spills. You don’t want the water to do more damage than it already has.
- Call your agent or company as soon as you can. An insurance adjuster doesn’t need to see the spill before you take action. However, he or she will want to inspect any damaged items.
- Make temporary repairs and take other steps to protect your property from further damage. Remove any carpet or furniture that can be further damaged from seepage.
- Make a list of the damaged articles.
- Save the receipts for what you spend—including additional living expenses if you must leave your home until repairs are completed—and submit them to your insurance company for reimbursement.
A standard homeowner’s policies will cover most of the kinds of damage that result from a freeze. For example, if house pipes freeze and burst or if ice forms in gutters and causes water to back up under roof shingles and seep into the house. You would also be covered if the weight of snow or ice damages your house.
However, most policies do not cover backups in sewers and drains or flood damage, which can also happen in winter. To be covered for flooding, you need a policy from the National Flood Insurance Program, while coverage for sewers and drains is generally offered as an endorsement to a standard homeowner’s insurance policy.
If your home suffers water damage, it is important to make sure that it is properly dried and repaired to prevent any potential problem with mold. Remember, mold cannot survive without moisture.
Check with your agent or company so you’ll be sure what your policy covers.
Source Insurance Information Institute
Posted in Frozen Pipes, Hamilton County Insurance, Homeowners Insurance, Increasing Deductibles, Insurance Annual Review, Insurance Saving Tips, Scam Artists, winter weather
- Tagged Bragg Insurance, Frozen Pipes, Homeowners Insurance, Polar Vortex, Sheridan Insurance