Frozen heating pipe - subsequent insurance claim

NYCPrincess Posted By NYCPrincess, Jan 7, 2016 at 12:53 AM

  1. NYCPrincess

    NYCPrincess
    Member 2.
    NULL
    

    Oct 13, 2014
    60
    6
    Loc:
    Westbury, ny
    So a pipe froze on me yesterday and burst. Major leaking occurred and ensuing water damage. As this happened to any of you? If so, did your homeowners insurance cover it? Talk to me about it. Would love some advice.

    Thanks.
     
  2. BIGDADDY

    BIGDADDY
    Feeling the Heat 2.
    NULL
    

    May 17, 2012
    416
    115
    It didn't happn to me but it did to a coworker of mine. Her homeowners paid for repairs. Why don't you just call your insurance agent?
     
    Stop hovering to collapse... Click to collapse... Hover to expand... Click to expand...
  3. begreen

    begreen
    Mooderator 2.
    NULL
    
    Staff Member

    Nov 18, 2005
    77,246
    12,538
    Loc:
    South Puget Sound, WA
    Was this a result of having a wood or pellet stove going which left the basement cold?
     
    Stop hovering to collapse... Click to collapse... Hover to expand... Click to expand...
  4. Chimney Smoke

    Chimney Smoke
    Minister of Fire 2.
    NULL
    

    Nov 24, 2013
    672
    228
    Loc:
    Maine
    It hasn't happened to me but I also make a habit of letting the boiler run at least once morning and evening when the lows start getting into the teens. Saving a few dollars per day on oil doesn't offset repairs or insurance deductibles.
     
    Stop hovering to collapse... Click to collapse... Hover to expand... Click to expand...
    fespo likes this.
  5. NYCPrincess

    NYCPrincess
    Member 2.
    NULL
    

    Oct 13, 2014
    60
    6
    Loc:
    Westbury, ny
    Interestingly enough the wood stove was on, but we never shut off the heat. We leave it at 67 so any time it drops below, it just goes on automatically. The pipe was on the second floor right under the roof. the pipe was insulated but the roof in that area is not. Just wondering what they would say.

    I already called. Water mitigation folks are coming this morning. I just don't want to incur expenses to find out they won't cover.
     
  6. fire_man

    fire_man
    Minister of Fire 2.
    NULL
    

    Feb 6, 2009
    2,248
    486
    Loc:
    North Eastern MA
    How long have you lived in the house? Have you used the woodstove other years?
    This has not been a cold year so I'm guessing either you just moved in or just started burning.
     
    Stop hovering to collapse... Click to collapse... Hover to expand... Click to expand...
  7. NoGoodAtScreenNames

    NoGoodAtScreenNames
    Burning Hunk 2.
    NULL
    

    Sep 16, 2015
    219
    92
    Loc:
    Massachusetts
    Burst pipe should be covered by insurance.

    Companies are hesitant to cover homes where wood is the "primary" heating source not only because of the increased fire risk but from freezing pipes as well. Not only do stoves run out of fuel quickly compared to a furnace but we also need to make sure the entire house stays up to temp (no less than around 60 if it's below freezing outside). With a huge space heater like a stove you could in theory still have your furnace as a backup set to 65 but it may never come on because the thermostat is close to the stove. Pipes in basements, crawl spaces or the far ends of the house are especially at risk. It's one of the things to consider for people who do a serious burn overnight when the freezing risk is greatest.
     
  8. mass_burner

    mass_burner
    Minister of Fire 2.
    NULL
    

    Sep 24, 2013
    2,629
    455
    Loc:
    SE Mass
    Happened to me but with no woodstove involved. We hired a private adjuster, they deal with the the insurance company, so they know how to explain it right. They got us 3 times as much as the original offer.
     
    Stop hovering to collapse... Click to collapse... Hover to expand... Click to expand...
  9. chew72

    chew72
    Member 2.
    NULL
    

    Oct 27, 2009
    23
    6
    Loc:
    NS, Canada
    I've done a ton of research into boilers and hot water heating. One solution for freezing pipes is having the circulators in that loop cycle on periodically once the outside temp reaches a certain low. Future advice for you or anyone else with pipes in areas that may freeze.
     
  10. NYCPrincess

    NYCPrincess
    Member 2.
    NULL
    

    Oct 13, 2014
    60
    6
    Loc:
    Westbury, ny
    Did you involve a private adjuster after having tried working with the insurance company directly? Where did you find one? And what was their fee?
     
  11. NYCPrincess

    NYCPrincess
    Member 2.
    NULL
    

    Oct 13, 2014
    60
    6
    Loc:
    Westbury, ny
    This is the second winter with the stove.
     
  12. mass_burner

    mass_burner
    Minister of Fire 2.
    NULL
    

    Sep 24, 2013
    2,629
    455
    Loc:
    SE Mass
    We contacted our insurance broker, hired a cleanup crew and after the place cleaned up a friend suggested a company they had used. They take 10% of what they get from the insurance company.
     
    Stop hovering to collapse... Click to collapse... Hover to expand... Click to expand...
  13. NYCPrincess

    NYCPrincess
    Member 2.
    NULL
    

    Oct 13, 2014
    60
    6
    Loc:
    Westbury, ny
    Thanks so much. I think we will do the same.
     
  14. electrathon

    electrathon
    Minister of Fire 2.
    NULL
    

    Sep 17, 2015
    518
    95
    Loc:
    Gresham, OR
    I have a freeze protection thermostat (turns on circulating pump when below 34 degrees) in my shop. There is no heat out there other than wood heat and the hot water is heated off the stove too. We usually are above freezing through the winter here with just a few days below. The pump keeps the water moving and have never had a freeze up when the pump was on.
     
    Stop hovering to collapse... Click to collapse... Hover to expand... Click to expand...
  15. begreen

    begreen
    Mooderator 2.
    NULL
    
    Staff Member

    Nov 18, 2005
    77,246
    12,538
    Loc:
    South Puget Sound, WA
    Sorry for the hassle and loss. That sounds like truly boneheaded plumbing. What were they thinking? Not my problem?
     
    Stop hovering to collapse... Click to collapse... Hover to expand... Click to expand...

Share This Page