Frozen Pipes? Your Homeowners Coverage May Help

November 14, 2014 3:45 PM
Frozen Pipes? Your Homeowners Coverage May Help
" With freezing temperatures expected across the state over the next few days, if your home is damaged by the extreme cold, Georgia Commissioner of Insurance Ralph Hudgens says you may get financial relief through your homeowner’s policy.

According to Hudgens, “Depending on the source of the property damage, you may or may not be covered,” He provides what a typical homeowners policy may pay for:

• Repairing damage to internal plumbing caused by freezing will generally be covered by your homeowners policy. The policy should also pay for damage to carpeting, furniture, and other belongings caused by your own pipes freezing.

• However, damage from water entering your home from an outside source, such as a broken water main, may not be covered. Damage from external waters may be classified as “flood” or “seepage,” which is not covered by a standard homeowners policy.

• If you live in an apartment or condominium, and water from an upstairs neighbor’s pipes damages your property, you will be covered under your own renters (or condo owners) policy. If you don’t have such coverage, the neighbor’s liability policy may pay for your damage, but only if you can prove the neighbor was negligent "

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