The extreme cold can cause extensive damage to your business or personal property. It is important to timely report any property damage to your insurance company and take necessary steps to prevent further damage. The damage may displace you form your home or interrupt your business activities. Timely and effective communication with the insurance company can help establish a plan and payment for alternative living arrangements or compensate you for business interruption caused by the damage. Once the urgent issues of preventing further damage and establishing arrangements for your immediate needs are resolved, you will want to ensure that your insurance company pays for the proper restoration of your property.
Frozen and burst pipe claims pose some unique insurance coverage issues. Many insurance policies have specific provisions that require the insured take necessary steps to ensure the property maintains a stable temperature to prevent frozen pipes. Even while attempting to maintain heat, the extreme cold can still cause damage. It may be difficult to show the insurance company that you were complying with requirements and the insurance company may deny your claim. Additionally, there are insurance policy exclusions that may trigger when a property is vacant prior to a frozen or burst pipe issue. These exclusions affect many property owners who enjoy Minnesota summers but find warmer locations to spend the winter months.
We can help you navigate the complex process of insurance claims and challenge improper insurance coverage denials. Further, we can assist with establishing the proper repairs that your property is entitled to under your insurance policy. If your property experiences damage related to frozen and burst pipes, or any other perils, contact me for a free review of your claim and your insurance policy.
