Ready or not, colder weather is coming. If you have structures with water lines, you need to be sure to maintain heat. Even if the heat is on, it could be low enough that water lines in exterior walls could freeze in times of extreme wind chill or temperature drops. Winterize your pipes when possible and be sure the heat is at an appropriate level; simply leaving it above freezing will most likely not be sufficient. Freezing pipes and the resulting damage may not be a covered loss in certain types of policies. In addition, policies that do contain coverage for the peril of freezing will not cover loss that results from your failure to maintain heat or properly winterize the structure. Check with your insurance company or agent to learn the details of your policy.
This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.