With occurrences affecting plumbing supply systems in mostly January and the other winter months, frozen pipes are found to be more common in the northern regions of the country. However, southern states do suffer costlier water losses as a result of not having plumbing supply systems placed in warmer areas of a home and insulated with the same precautions taken in the northern states. Unlike burst pipes that are caused simply due to material failures of the pipe itself, a frozen pipe is caused by the freezing of water in an adjacent section of the plumbing supply system. A frozen pipe can occur anywhere in a home where there are pressurized plumbing lines. Specifically, areas such as exterior walls where hose bibs are located, attics & basements and other areas exposed to the exterior climate temperatures.
The aftermath of a residential frozen pipe water loss can leave homeowners and other property owners with the burden of facing extremely difficult and complex decisions. Issues related to property damage of items such as drywall, flooring, insulation, cabinets, and other interior finishes are just some of the many concerns one should have when dealing with frozen pipe claims. Property owners are also faced with the delicate and emotional toll that damage to personal property such as cloths, furniture, electronics, and items of sentimental value can take on one whose house just got heavily water damaged. Displacement of one’s home in many cases is the biggest loss to someone dealing with a frozen pipe water damage claim. Navigating and understanding the process of a frozen pipe claim will be overwhelming, the assistance of an experience and qualified public adjuster can prove to be essential to the policyholder.