Written by Andy Gurczak

May 15, 2022

Water Damage from Burst Pipes

There are few more upsetting sites for a homeowner than to walk into their house and see water cascading from a ceiling. Or going to the basement and seeing a couple of inches of standing water. For instance, water damage from burst pipes can happen in vacation homes in the winter. As another example, pipes in exterior walls can burst if a home loses power for a few days. Likewise, exposed pipes in the basement can burst.
However, the good news is that homeowners’ insurance covers damage from burst pipes.

What Happens When a Pipe Bursts in Your House?

When ice forms inside pipes, the ice causes water pressure to build. Then, when frozen pipes burst, water escapes from the pipe into the immediate area. However, the problem is that the homeowner may not be aware of the burst pipe. For example, what if the water leak occurs in a ski house the homeowner visits every other week in the winter?
Similarly, an exposed pipe in the basement can burst in the middle of the night. How will the homeowner sleeping on the second floor know?
In that instance, the homeowner won’t realize there is a water leak in the basement until she goes down there to do laundry, retrieve food from a freezer, etc.

What Should Homeowners Do When They Find Burst Water Pipes?

First, once you have discovered you have a water leak, turn off the water supply at the water shutoff valve.
If a hot water pipe bursts, close the valve on top of the hot water heater.
You will then have to call a plumber to repair or replace the burst pipe.
Then there are several other steps you should take:

Remove any standing water

The longer the water remains, the more damage it can do. Therefore, remove any standing water with a wet dry vacuum. Additionally, put any furniture touched by water in a dry, warm area of your home. You may have to dispose of carpeting, depending on how much and how long water remained in the area.
In fact, you may need a professional water mitigation company to come in with blowers and dehumidifiers. Where there is water, there could later be mold. Make sure the area affected by the water leak is completely disinfected and dry to prevent mold.

Inventory your damage from the burst pipes

Make a list of the damage to your home, like cracked or water-logged ceilings and walls. In addition, itemize all personal property, such as furniture, carpeting, clothes, etc., that were damaged.
Indeed, take pictures of all damaged property to submit with your claim.
If there was standing water, there is probably some type of stain on your molding or wall. Therefore, take a picture of that water line.
Try not to throw out any damaged property until the adjuster from the insurance company comes to inspect your pipe damage. However, if you have to throw items out, make sure you take several pictures to share with the adjuster.

File a claim with your homeowners’ insurance company

Call your insurance company as soon as you can to file a claim. Alternatively, most companies have 24/7 phone lines you can use to report the damage from the frozen pipes. In fact, the sooner you report the burst pipes, the sooner the claims process can begin.
That means the sooner an adjuster from the insurance company can come to your house to inspect the damage. Consequently, if you need a professional water mitigation company, the adjuster can write you a check on the spot to cover the cost of the water mitigation job.

Steps to Prevent Burst Pipe Damage Again

Once you have cleaned your house and repaired the burst pipe (which homeowners’ insurance does not cover), you might want to take the time to prevent pipes from freezing in the future.
For instance, if there are exposed pipes in crawl spaces, the attic or the basement, you may want to wrap insulation around them.
If you have a vacation home you don’t go to regularly, drain the water pipes. Then let the faucets drip water, so that water doesn’t build up in the pipes and freeze in your absence.
Additionally, you may have pipes, or at least faucets, for garden hoses outside the house. Therefore, shut off the valve for those pipes or faucets inside the house during the winter. Also, open the valves so the faucet drains out.

If You Need a Public Adjuster for a Burst Pipe Damage Claim, Call AllCity Adjusting

We are a family-owned claims company with five decades of combined adjusting experience. As a result, if there’s one thing we understand, it’s that you need 100% of your claim value.
Insurance companies undervalue your claim 8 out of 10 times. Moreover, they hire expensive adjusters to ensure they maintain a strong profit margin. Additionally, they have experienced actuaries that create insurance agency guidelines that help their team of agents challenge your insurance claim’s validity.

We Handle Burst Pipe Water Damage Claims

At AllCity Adjusting we work to ensure you get 100% of the claim value of your water damage from burst pipes. Equally important, with over 50 years of combined adjusting experience, we know insurance companies and understand where they cut corners when processing insurance claims. Moreover, we help you build a larger claim, maximize your claim value, and get you back to normal fast. Don’t get fooled, get the company that gets you more.

free claim review

Best way to beat the insurance company is to hire AllCity Adjusting

At AllCity Adjusting we help residential and commercial clients alike get the claims support they need. Moreover, we have over 50 years of combined experience helping get our clients the max settlement time and time again. If your claim has been low balled or denied entirely we can help increase your maximum settlement. Call us today for a FREE consultation. Experience the AllCity difference.

public adjusting call support

Real Support When You Need It!

Actual Cash Value v. Replacement Cost Value

Actual Cash Value v. Replacement Cost Value

Many homeowners never read their homeowners’ insurance policy. Then a covered loss, like a fire or hurricane, causes extensive damage to the home and contents. Of course, the homeowner files a claim with her insurance company. Eventually, the homeowner gets a claim settlement offer from the home insurance company. However, only then does the homeowner learn the difference between actual cash value v. replacement cost value coverage.

What is an Appraisal Clause in an Insurance Policy?

What is an Appraisal Clause in an Insurance Policy?

Water damage insurance claims are some of the most frequent home insurance claims that homeowners file. However, homeowner insurance does not cover all types of damages caused by water. Therefore, handling water damage insurance claims requires the homeowner to be careful and diligent before and during the claims process.

Homeowners’ Property Damage Claim-Do You Need an Attorney?

Homeowners’ Property Damage Claim-Do You Need an Attorney?

Unfortunately, a terrible storm moved through your area. It left fallen trees and damaged homes in its wake. Your house was one of them. You have never filed a claim with your homeowners’ insurance company. But you now have a homeowners’ property damage claim-do you need an attorney?

How to Negotiate a Fire Damage Insurance Claim

How to Negotiate a Fire Damage Insurance Claim

One of the most traumatic events experienced by homeowners is a fire in their homes. Certainly, the potential for serious injury can be significant. However, the relief that no one was harmed soon fades away as the reality of the property damage sinks in. Now, one key question for the homeowner will be how to negotiate a fire damage insurance claim settlement.

Insurance Claims for Poorly Installed Stucco

Insurance Claims for Poorly Installed Stucco

Stucco is a popular siding used on new developments, homes, and businesses since the early 1900s. Manufacturers make it of cement, limestone, and silica. In fact, it has become very popular in the last 20 years. However, when not installed properly, it can lead to several problems. Therefore, some homeowners will have to file insurance claims for poorly installed stucco.

What is Coinsurance in a Homeowners’ Policy?

What is Coinsurance in a Homeowners’ Policy?

If a storm or fire damages a home, the homeowner will file an insurance claim with his homeowners’ insurance company. An adjuster comes to inspect the damaged real estate. Later the insurance company confirms the amount of the loss. However, the company tells the homeowner that the claim payment will be reduced by a coinsurance penalty. The homeowner asks himself: what is coinsurance in a homeowners’ policy?

Stay Up to Date With The Latest News & Updates

Don't Wait - Get More

Get a free 1 hour consultation on your next call. So call today and challenge the insurance company narrative on your policy claim. We can help you with all your public adjuster claims support. Let us help you get more.

public adjuster service areas background

Join Our Newsletter

Do you want to learn more about public adjusting. In this newsletter we create helpful tips and hints and you will receive notifications when we post new articles.

Follow Us

Follow us on the following social networks.

Call Us Now