The freezing peril in homeowners insurance covers damage caused by the freezing of plumbing, heating, air conditioning, or sprinkler systems, as well as household appliances. Coverage typically applies if reasonable care was taken to maintain heat in the home or to drain the systems properly. It excludes damage resulting from negligence or unheated properties and may have specific requirements for vacant homes.
The freezing peril covers damage and losses caused by the freezing of the following systems:
However, damage to vacant or unoccupied buildings, as well as buildings under construction, is not covered unless the insured took reasonable measures to maintain heat in the building or shut off the water supply and drained the affected systems and appliances.
AVERAGE COST PER FREEZING CLAIM:
$13,945
A sloppy inspection from your assigned insurance adjuster can cause your claim to be denied or undervalued.
Tiger Adjusters offers no-cost property inspections utilizing the latest technology to capture a full and accurate account of all damages.
Be honest — did you read the fine print of your insurance policy?
When property damage occurs, our team reviews your policy and provides expert advice on a recommended course of action for your claim.
We create a detailed loss estimate and file your claim plus complete all the required documentation.
It’s tedious work but when it comes to the value of your claim, the dollars are in the details!
Tiger Adjusters fully represents you in negotiations with your insurance company. We review the carrier’s inspection report, estimate, and settlement offer to evaluate if you are being paid fairly.
If not, we fight for funds for all covered damage so that you can repair and restore your property.
