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Generally, most homeowner and commercial property insurance policies will cover damage from a frozen pipe that bursts. Coverage is typically available if the policy includes language such as: Coverage is provided when damage is determined to result from a “sudden and accidental” discharge from a plumbing source or system (refer to your policy for the exact wording).
However, there's a warning—your insurance might not cover the damage if it appears you didn't take essential steps to safeguard your property. Your policy typically mandates maintaining heat within the property, and some policies specify keeping a certain temperature, regardless of whether the property is vacant, occupied, or unoccupied. You may not be eligible for insurance coverage for plumbing, heating, air conditioning, automatic fire protection, or household appliances if it's determined that the insured failed to prevent freezing.
The Shelley Group, Inc. handle your claim and negotiate the settlement you deserve on your behalf. Call them TODAY!
