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Broken pipes, overflow bathtubs, broken toilets, bursting water pipes, damaged washer hoses and flash floods. There are many ways that water can cause costly damage to your home. When the damage occurs, your first step is to determine if you have a water damage insurance claim or a flood claim.
There are many types of water damage that may be covered or excluded on a home policy such as:
Sudden or Accidental Discharge
Sewer backup or water backup
The extreme cold combined with wind chill creates a substantial risk for frozen or burst pipes. Freezing water turns to ice within the pipe, it expands and can block the line. This blockage can create excessive pressure throughout the system and cause pipe failure in vulnerable places--no matter if the pipe is made of plastic, copper or steel. Even a tiny crack can unleash more than 250 gallons of water in a single day.