Winter Freezing Leads to State of Emergency

4 days before Christmas, GA Gov. Brian Kemp addressed the pending winter weather. Temperatures over the holiday not only dropped. But they dropped fast. Here’s what happens during a declared state of emergency. During a winter storm, a declaration allows for supplies, particularly propane to be delivered for residential and commercial needs.

Additionally, winter is a good season to check things out, so now is not a bad time. The most common mistake is that people fail to detach the garden hose from the hose bib.Are frozen pipes covered by insurance?

Handling water damage insurance claim

Found water in your home? If you have suffered from the water freeze which saw temperatures drop into the teens pay close attention.  This is how you should handle insurance claims when you have water damage.

First, you should know… the majority of policies state that in order to retain heat, you must now demonstrate reasonable care. In this instance, I’ll tell you that it’s probably far warmer on the thermostat—perhaps closer to 60—than reasonable in a place where it can get down to 20 below zero

Now, these might be pricey.

Nevertheless, you must decide how you want to be protected and where you want to put that premium.

Something else that is pricey…

Homeowners are surprised by deductibles higher than they had ever anticipated.

But that’s the way it is…

This high deductibles are known as percentage deductibles. Here is how a percentage deductible works. Check out this example: a $10,000 deductible on a $500,000 coverage or even a 5% deductible on their policy.

How your insurance company wants you to prevent frozen pipes in winter.

To avoid freezing pipes inside the house, you must remove the hose itself from the hose bib. It’s just how frost-free hose bids operate. They require the capacity to drain, and if the hose is left connected throughout the winter, it will not be able to do so, which frequently results in a frozen pipe.

Therefore, you must inspect and maintain your furnace.

The majority of smoke losses are caused by faulty furnaces, dirty filters, dirty nozzles, or dirty furnaces. Excellent opportunity to ensure that was serviced for the year. Additionally, if you have a gas fireplace, a malfunctioning gas fireplace is one of the leading sources of smoke damage in homes. That’s a sealed unit, gas logs, and a gas fireplace.


If there are flames present, you can see them, and if it uses natural gas, it has to be serviced. You might already be experiencing a problem if you see smoke or soot on your walls.

We sometimes refer to the phenomenon of a shadow appearing after moving a picture frame as “ghosting.” That implies that your walls already have soot on them.

Therefore, be careful to have that serviced.

Winterizing should now be done. If you own a property but don’t live there permanently, you might need to drain the water, secure the building, stop any draughts, and set the thermostat to a suitable temperature. If you don’t your loss may not be covered if you file a homeowners insurance claim.

Major Adjusters provides FREE policy reviews & FREE inspections to assist you with your insurance claim. Our intention is to reduce the possibility of a claim denial. Just call 312-883-2064.

Prevent Frozen Pipes During Frigid Weather - City of Edgerton, Kansas

With only a few precautionary steps, you can avoid having another chaotic year as we did in 2022 by getting that property winterized, having everything looked out for, and service items.



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