When temperatures dip to very cold levels, it is not uncommon for property owners to face risks associated with frozen pipes. When a pipe freezes, that means the liquid within hardens. As it does, the ice expands, straining the pipe until, in some cases, it bursts.
If you have this concern and have flood insurance, you may be wondering whether you have coverage to pay for the losses. At Nieroda Insurance Agency, we offer a wide range of coverage options to protect your property. If you need flood insurance in or near Saint Charles, MO, reach out to us for a quote.
When Does Flood Insurance Apply to Frozen Pipes?
Most of the time, frozen pipes are not covered specifically under flood insurance. Even though your home may be flooding, this type of policy typically covers flooding that starts from outside of the home. That includes storm surges and heavy rain. This is flooding that enters into the home.
However, your property insurance, such as homeowners insurance, may include coverage for flooding due to burst pipes. Your home insurance policy’s standard inclusions typically will cover frozen pipes bursting and the related damage. That includes the repairs to the pipes and impacted appliances, as well as coverage for your property repair needs. That may include clean up, restoration work, and replacement of damaged furnishings and materials.
Call Your Insurance Provider After a Flood
When you are facing the risk of clean up after frozen pipes burst, know that your insurance agent is ready to offer guidance. Prepare for all of the risks you face with comprehensive home and flood insurance in or near Saint Charles, MO. At Nieroda Insurance Agency, we help you protect your home from all the risks you face from unexpected flooding and water damage. Give us a call and request a quote today.
