When the temperature drops, frozen pipes are one of the biggest risks of property damage. In fact, a burst pipe can result in more than $5,000 in water damage, according to safety experts at the Insurance Institute for Business and Home Safety (IBHS). This blog post is to serve as a guide on how protect your property from Winter weather.
Who are the most vulnerable?
Many businesses are not prepared to respond to a natural or man-made disaster. Small and home-based businesses are particularly at risk because they may have all of their operations concentrated in one location that could be damaged or destroyed. For home-based business owners, weather-related disaster could mean losing a home and a business at the same time.
You should treat your small or home-based business like a big business and make a plan for the unique risks you may face. It’s the best way to stay open for business. Be sure to ask Mahar Insurance about protections we can add to your insurance policy in the event of property damage from busted pipes.
How to prevent frozen pipes and protect your property from Winter conditions
Help prevent costly water damage caused by frozen pipes by using the following guidance recommended by IBHS and Mahar Insurance Agency:
• Provide a reliable back-up power source to ensure continuous power for heat at your workplace.
• Place a monitored automatic excess flow switch on the main incoming water line to provide early detection of a broken pipe or valve when the space is unoccupied.
• Seal all wall cracks and penetrations, including domestic and fire protection lines, electrical conduit, other utility service line, etc.
• Hire a central monitoring company for your indoor and outdoor fire protection sprinkler systems. They could provide early detection of a sprinkler pipe water flow and rupture due to freezing.
• Install insulation and/or heat trace tape with a reliable power source on various wet sprinkler system piping in buildings without heat or that are unoccupied. This includes main lines coming up from underground passing through a wall as well as sprinkler branch lines.
• Insulate all attic penetrations and ensure proper seals on all doors and windows.
• Be aware: The freezing point for water is 32 degrees. It doesn’t take subzero temperatures for a pipe problem to develop. If you suspect a frozen pipe, don’t take any chances. Call a plumber immediately.
While emergency planning ideally is a year round priority, the start of the severe weather season in your area is a good time to refocus your efforts. Go to the Foremost Insurance blog for more advice on preventing Winter weather damage, and Safeco’s Homeowner 101: Winterizing Your Home. Also, check UltraHeat’s Niche Thaw Blog to learn how to keep your RV and/or manufactured housing waterlines from freezing.
As always Mahar Insurance is here for you whether it is to help you learn how to protect your property from Winter, or in the aftermath of a disaster. You also can get somehttp://www.thecorsetcenter.com/ really easy.