When the temperature drops, it can trouble homeowners in Palo Alto, CA. One of the most common winter problems is frozen pipes, which can cause costly damage to your home. So, if you’re a homeowner in Palo Alto, Allied Brokers Insurance Agency Inc wants you to understand what your home insurance coverage covers.
What Your Home Insurance Policy Covers
Your home insurance policy covers losses caused by frozen pipes as long as they are considered “sudden and accidental” by your insurer. This means that if a pipe freezes and bursts due to an unexpected event—such as an unusually cold weather front—your policy will cover the cost of any repairs resulting from the water damage. But if freezing temperatures were forecasted for days or weeks in advance and you failed to take proper precautions, you may not be covered.
It’s also important to regularly check these areas of your home throughout the wintertime for signs of frozen pipes—including reduced water pressure or discolored water coming out of faucets—and contact a plumber immediately if something doesn’t seem right. Taking these precautions now can prevent busted water pipes later on.
Protecting your home from potential damage caused by frozen pipes should be one of your primary concerns during cold weather months in Palo Alto, CA. Fortunately, Allied Brokers Insurance Agency Inc provides comprehensive coverage for any sudden and accidental damage resulting from this issue! Plus, taking simple measures such as keeping cabinets open and insulating exposed pipes is an easy way to further prevent unnecessary repair costs due to frozen piping. With these tips in mind, you can rest assured knowing that both you and your home are well-prepared for whatever winter may bring!