Oh Boy! A Burst Pipe! Before you You Start Bursting, Here’s What to Do
 

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Winter can be brutal, and nothing ruins a cozy day faster than discovering a burst pipe. Before you rush to file an insurance claim, taking the right steps can save you time, money, and headaches. Here’s what you should do first:

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1. Stop the Water Flow

As soon as you notice the leak, turn off the main water supply. This prevents further damage and shows your insurer you acted quickly to minimize loss.

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2. Document Everything

Grab your phone and start snapping pictures:

• The broken pipe

• Water damage to floors, walls, and belongings

• Any signs of freezing (ice buildup, frost)

Videos can help too. The more evidence you have, the smoother your claim process will be.

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3. Prevent More Damage

Insurance companies expect you to take reasonable steps to limit damage. That means:

• Mop up standing water

• Move furniture and valuables out of harm’s way

• Use fans or dehumidifiers if possible.

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4. Check Your Policy

Before calling your insurer, review your coverage:

• Does your policy cover frozen pipes?

• Are there exclusions for negligence (like not keeping the heat on)? Knowing this upfront helps you prepare for questions.

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5. Gather Key Info

Have these ready:

• Policy number

• Date and time of the incident

• A rough estimate of damage

• Any receipts for emergency repairs

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6. Call a Professional

If you need immediate repairs, hire a licensed plumber. Keep receipts—they’re often reimbursable.

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7. THEN Call Your Insurance Company

Once you’ve done all the above, you’re ready to file your claim. Being organized and proactive makes the process faster and less stressful.

Pro Tip: If you live in a cold climate, consider preventive measures like pipe insulation and smart thermostats. It’s cheaper than dealing with a burst pipe later!

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Need Help on any of the steps or have questions looking over your policy? Contact Insurance Consulters!