Frozen and broken water pipes are generally not thought of as a natural disaster on anywhere near the same scale as a tornado, hail storm, or hurricane; however, the damage from burst water pipes is a catastrophic event that produces serious property damages. According to the Insurance Information Network of California, frozen and broken water pipes in the U.S. takes second place behind hurricanes for both the number of homes damaged and the insurance claim amounts.
Water damage from broken water pipes is one of the least recognized catastrophes; however, it is one of the most common reasons why homeowners make insurance claims for property damage. This is especially true during the winter months, as freezing temperatures occur in many parts of this nation night after night.
When pipes freeze and burst, the water may gush out like a fire hydrant when the ice begins to thaw. Because many pipes are located inside basements, the lower level of the house often suffers serious damage when it is turned into a lake. Frozen and broken pipes ruin basements and homes all across this nation resulting in claims averaging around $50,000.
A Homeowner’s Nightmare: Water Damage From Broken Pipes
When a burst pipe occurs, it is important to turn off your water immediately. Report the water damage and event to your insurance agent and contact professionals to mend the damage if you need a quick fix before the insurance company gives the okay. However, make sure you take pictures of the broken pipes and all water damage. Also, save any receipts if you bought supplies or hired someone to make temporary repairs to prevent further damage.
Unfortunately, property damage can be extensive when plumbing ruptures and basements get flooded. When your floors are covered in six inches of water from burst pipes, water can cause serious damage to your drywall, flooring, carpeting, cabinets, draperies, furniture, and more. Homeowners insurance generally pays for unforeseen problems that led to a frozen pipe and water damage; however, sometimes insurance companies try and get away with offering the lowest possible settlement they can. If homeowners accept a low offer, they may not be able to afford the repairs to the broken pipe and flooded basement, let alone replace carpeting and furniture.
If you have been unfairly denied a residential insurance claim, or if the insurance company offered you too low of a settlement, you need to speak with an experienced Texas insurance litigation attorney to find out your rights. Call the Voss Law Firm for help challenging your insurance company, in order to get a fair settlement that you deserve. Dial 888-614-7730 for a free consultation and also request a free copy of attorney Bill Voss’ book: Disputes With Your Insurance Company – What All Consumers Need to Know.