Just a reminder, protect your pipes! As an arctic chill falls over Texas this week, we wanted to remind everyone to protect their pipes from the freezing cold. While this blast of cold will not reach lows in the teens, prolonged freezing temperatures are expected in Northern parts of the State.
Your homeowners insurance policy will cover the damage but remember these items when considering your claim:
1. The water loss and damage must be “sudden and accidental” in nature.
2. The water loss MUST be reported in a timely manner.
3. The insured is responsible to mitigate damage, and protect property from further damage (drying the property, etc)
4. Vacant property (homes for sale, etc) may not be covered if unoccupied for over 60 days, and not covered by a “vacancy endorsement”.
5. Furnished homes that are unoccupied and are not connected to utility service may not be covered.
6. Mold damage caused by the water loss is capped or not covered in your policy.
