Whether you’re ready or not, winter is here in Wisconsin which means frigid temperatures, large snowfalls, and problems with our homes only those extreme elements can bring.
One of the most common things that happen to people’s homes in Wisconsin in the winter is burst pipes. Burst and frozen pipes cause millions of dollars in damage each winter in Wisconsin and can cause other huge problems for homeowners to solve during the harshest months of the year.
To make it even harder, insurance companies often try to give you a lower settlement for these types of incidents.
Why do Pipes burst?
A burst pipe occurs when a pipe carrying water throughout the home freezes. When the water in a pipe freezes, it expands, causing the pipe to crack or burst open. A burst pipe can happen anywhere in the home but is most common in areas where the air is much colder like basements, crawl spaces, and outer walls of your home.
The burst pipe itself is often not the main problem, rather, it’s the water damage that can be caused. Depending on what pipe it is that bursts in your home, you could be looking at a lot of damage and a major insurance claim.
If a pipe bursts in your home, do you know what to do?
Every pipe burst situation is a little different. Some result in a small crack where the water damage happens slowly over time without you noticing, and sometimes it is a full burst where there is major and significant damage. No matter what situation you are in, make sure to take these steps.
Shut Your Water off IMMEDIATELY
This should go without saying, but in the situation of a burst pipe, your number one priority should be to reduce the damage. Depending on where the burst happens, you may be able to shut off one of the many valves that run through a typical home’s plumbing system. If it is the main pipe that bursts, shut off your main water valve to be sure no more water damage can occur. In the situation of a major pipe burst, you would be surprised how many people panic and forget about the main water valve in their panic.
Secure the situation first before moving on.
Document All The Damage
Your first instinct after a burst pipe is to immediately start the cleanup. Understandably so… you want to get things back to normal so you can truly assess the damage. However, what you need to do next is start to take as many pictures and videos as possible. The more the better!
Everything from the pipe itself, damage to the walls, and damage to personal property, all needs to be recorded. It would be beneficial to take a moment to write some things down as well, such as when you realize that the pipe burst, what steps you took, and even what the temperature outside is at that moment in time. The more information that you are able to produce later will only help your chances at a better insurance claim.
Consult your Insurance Policy Information
Next up is to start to look at your insurance policy information. See if you can find any information about burst pipes and what exactly your policy covers. This little bit of education for yourself could be a major benefit later on. The problem is, insurance policies can often be complex and you might feel like you are reading something in a different language. That is why we recommend the next step…
Contact A Public Adjuster
A public adjuster is someone who works with policyholders to get them the best possible settlement from their insurance company. We are extremely knowledgeable about the average insurance policies of all major insurance providers and can help translate those complex policies into something that is much easier to understand.
But it doesn’t just stop there. Public adjusters can help with all elements of your claim. The sooner you involve us in the process of filing your claim, the better the chances of helping you get a higher settlement are! Once we help you file your claim, we will help you with the entire process of negotiating, filing paperwork, and providing support in any other way possible. We also have connections with many local contractors that can help you get quotes and repair the damage while we wait for your claim to be processed.
Wisconsin winters are just as brutal on your home as they are on you! Burst pipes can cause a lot of damage and leave you scratching your head with no idea what to do next. We hope that this information helps you if you find yourself in a tough situation this winter!