FEBRUARY 20, 2015
ROCKVILLE, MARYLAND.
The cold isn’t just dangerous for you; it can also be bad
news for your home. Insurance companies are expecting an uptick in cold-weather
claims from damage brought on by Mother Nature, but a homeowner’s insurance policy
doesn’t cover everything.
Water damage from a frozen or burst water pipe is covered.
In addition to repairs made to the home, Rick Stein, of the Rick Stein
Insurance Agency in Rockville, Maryland, says you can file a claim for the cost
associated with removing mold caused by the break.
Insurance companies expect burst pipes to be the most common
problem during the frigid weather.
“It’s not so much snow; it’s cold, so they’re expecting
burst pipes,” Stein said.
Homeowner’s insurance also covers any water damage caused by
an ice buildup on the roof.
Some things that won’t be covered, though, include damage
caused by melting snow seeping into the home through the foundation. Also, a
homeowner can’t file a claim for damage if the house is vacant.