With freezing winter temperatures rapidly approaching, insurance experts are advising victims of Hurricane Sandy to act now to winterize their homes to avoid further damage that won’t be covered by their homeowner’s policies.
Many victims have moved out of their homes because of damage or because they are still are without electricity and heat. It is imperative that they take appropriate steps to winterize their homes immediately, warns consumer advocacy group United Policyholders (UP) and Jonathan Wilkofsky, Executive Director and General Counsel of the New York Public Adjusters Association (NYPAA).
“Homeowners policies specifically exclude coverage for freezing and bursting of pipes if the home is vacant, or if there is no heat in the structure, unless the owner properly drains the water pipes and shuts the main. If this is not done, the resulting damage likely would be excluded by the homeowner’s carrier, adding to the insured’s devastation. That’s why we recommend draining all pipes and shutting off the main water supply now,” said Wilkofsky.
“People are overwhelmed and struggling to get on the road to recovery. The last thing they need is another insurance headache. They need to take the necessary precautions to make sure they are covered,” said UP Executive Director Amy Bach.
About United Policyholders:
United Policyholders (UP) is a non-profit organization that is a voice and an information resource for insurance consumers in all 50 states. Our work is funded by foundations and donations from individuals and businesses. We do not accept funding from insurance companies. For more information, visit www.uphelp.org.
About the New York Public Adjusters Association:
The NYPAA is an association of licensed professional public adjusters and affiliated legal & trade people whose goal is to share ideas, increase knowledge and effectively promote our profession to the public.