Claims Corner: “Icicles coming through the siding”

frozen pipe siding 1
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It’s summer and no one is thinking about frozen pipes. But one customer of ours is not enjoying their summer home just yet due to an incident that occurred in January. As you read this situation,  ask yourself if you’ve got the right coverage…

What Happened?

It’s 4:00am during the first week in January 2018. Michael McMahon is woken up by a text message from a local Ocean City police officer.

The text reads, “You insure this property, right? Call owner ASAP”.

The officer is a friend of Michael’s and had noticed icicles hanging in the front of the home- coming through the siding.

By 7:00am Michael had contacted the homeowner who was on his way to work. The homeowner took an unplanned detour to Ocean City to see the damage for himself. Unfortunately, the worst had happened. A water pipe in the kitchen of a 2nd floor unit had burst.

70 percent of the home had to be gutted. This burst pipe caused $300,000 in damages and the homeowners hope to be back in by July 4th.

Pipes that freeze most frequently are:

  • Pipes that are exposed to severe cold, like outdoor hose bibs, swimming pool supply lines, and water sprinkler lines.
  • Water supply pipes in unheated interior areas like basements and crawl spaces, attics, garages, or kitchen cabinets.
  • Pipes that run against exterior walls that have little or no insulation.

Before the onset of cold weather, protect your pipes from freezing by following these recommendations.  

Here are more images from this 2018 incident:

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Frozen burst pipe 3

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Frozen burst pipe 5

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burst pipe

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Gutted after frozen pipe

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Contact us to learn more about your insurance options.