|  Home  |   About Hurst-Weiss  |   Client Services  |   Investment Services  |   Request A Quote  |   Reports  |   Contact Us  |   Common Cent$  |   Mike's Insight  |  
JustinTyme Productions
Copyright 2010-2012 Michael C Konopelski, Common Cents Insurance Tips may not be copied or used without permission of the author. All rights reserved.
facebook Twitter Linkedin Home About Hurst Weiss Client Services Investment Services Request A Quote Reports Contact Mike's Insight Common Cent$
485 Mansfield Ave. Pittsburgh, PA 15205 Phone: 412-922-8222 Fax: 412-922-1588 
Business Hours: M-F 8:30 am - 4:30 pm EST info@hurstweiss.com 
Hurst Weiss Insurance & Investments Common Cents
  |  Home  |   About Hurst-Weiss  |   Client Services  |   Investment Services  |   Request A Quote  |   Reports  |   Contact Us  |   Common Cent$  |   Mike's Insight  |  
JustinTyme Productions
Copyright 2010-2012 Michael C Konopelski, Common Cents Insurance Tips may not be copied or used without permission of the author. All rights reserved.
     As we come out of the recent winter freeze, I thought it would be a good idea to discuss how insurance responds to frozen pipes and pass on some tips on how to prevent a claim from happening. Most homeowners and business insurance policies cover the damage done by a pipe that bursts from freezing. Please note that damage that the broken pipe causes is covered, unfortunately the pipe itself is not covered. The cost to repair the pipe will come out of your pocket. We urge you to confirm that your insurance policy includes "special form" coverage and that it correctly addresses the existing ownership and occupancy applicable to the property. As per our previous common cents tip in January 2013, (click here) coverage is voided then property is unoccupied or vacant. It is always better to eliminate or reduce the likelihood of a claim than to have to pay a policy deductable and experience the disruption resulting from a claim. Following are a few precautions that can be taken to lessen the likelihood of a bursting pipe: • Insulate your pipes, especially those near outside walls or that are exposed in an attic, crawl space or unfinished storage room. • Seal cracks or holes in outside walls near water pipes with caulking. • Disconnect, store and turn off the water supply for garden hoses. Water will not only freeze inside the hose but also within the spigot and subsequently in the source pipes causing them to rupture. • On extremely cold days, keep your cabinet doors open under your sinks to let in the warm heated air. • Keep your taps open a little bit so there is a slight constant drip. Make sure your drains are free and clear and in working order. • If pipes are beginning to freeze, you can ease the condition with the warmth of a hair dryer. Never utilize any type of open direct-flame such as a blow torch, which may lead to a structure fire or explosion. • A well-functioning centralized heating system should be the primary heating source for any building. Secondary heating sources such as fire places and industry approved space heaters, which are never left unattended, may be considered as a supplement. Never attempt to use a range, oven grill or any other type of unit not specifically designed as an indoor heat source. As always, if you have questions or feel we can be of service, call Hurst-Weiss Insurance at 412-922-8222.   Hurst-Weiss  “Your One-Stop Insurance & Investment Services Firm.”
Frozen Pipes: 
twitter Facebook Linkedin Hurst Weiss Insurance & Investments
485 Mansfield Ave. Pittsburgh, PA 15205 Phone: 412-922-8222 Fax: 412-922-1588
Business Hours: M-F 8:30 am - 4:30 pm EST info@hurstweiss.com 
Frozen Pipes: 
     As we come out of the recent winter freeze, I thought it would be a good idea to discuss how insurance responds to frozen pipes and pass on some tips on how to prevent a claim from happening. Most homeowners and business insurance policies cover the damage done by a pipe that bursts from freezing. Please note that damage that the broken pipe causes is covered, unfortunately the pipe itself is not covered. The cost to repair the pipe will come out of your pocket. We urge you to confirm that your insurance policy includes "special form" coverage and that it correctly addresses the existing ownership and occupancy applicable to the property. As per our previous common cents tip in January 2013, (click here) coverage is voided then property is unoccupied or vacant. It is always better to eliminate or reduce the likelihood of a claim than to have to pay a policy deductable and experience the disruption resulting from a claim. Following are a few precautions that can be taken to lessen the likelihood of a bursting pipe: • Insulate your pipes, especially those near outside walls or that are exposed in an attic, crawl space or unfinished storage room. • Seal cracks or holes in outside walls near water pipes with caulking. • Disconnect, store and turn off the water supply for garden hoses. Water will not only freeze inside the hose but also within the spigot and subsequently in the source pipes causing them to rupture. • On extremely cold days, keep your cabinet doors open under your sinks to let in the warm heated air. • Keep your taps open a little bit so there is a slight constant drip. Make sure your drains are free and clear and in working order. • If pipes are beginning to freeze, you can ease the condition with the warmth of a hair dryer. Never utilize any type of open direct-flame such as a blow torch, which may lead to a structure fire or explosion. • A well-functioning centralized heating system should be the primary heating source for any building. Secondary heating sources such as fire places and industry approved space heaters, which are never left unattended, may be considered as a supplement. Never attempt to use a range, oven grill or any other type of unit not specifically designed as an indoor heat source. As always, if you have questions or feel we can be of service, call Hurst-Weiss Insurance at 412-922-8222.   Hurst-Weiss  “Your One-Stop Insurance & Investment Services Firm.”
Copyright 2010-2015 Michael C Konopelski, Common Cents Insurance Tips may not be copied or used without permission of the author. All rights reserved.
  |  Home  |   About Hurst-Weiss  |   Client Services  |   Investment Services  |   Request A Quote  |   Reports  |   Contact Us  |   Common Cent$  |   Mike's Insight  |  

Every effort has been made to insure all products are updated with current information. However features, specifications change. Hurst-Weiss Insurance & Investment reserves the right to change these without incurring any liability. Content Jan. 2012 Hurst-Weiss All rights reserved

JustinTyme Productions
Menu Common Cents
Common Cents twitter Facebook Linkedin
485 Mansfield Ave. Pittsburgh, PA 15205 Phone: 412-922-8222 Fax: 412-922-1588
Business Hours: M-F 8:30 am - 4:30 pm EST info@hurstweiss.com 
Hurst Weiss Insurance & Investments
Frozen Pipes: 
     As we come out of the recent winter freeze, I thought it would be a good idea to discuss how insurance responds to frozen pipes and pass on some tips on how to prevent a claim from happening. Most homeowners and business insurance policies cover the damage done by a pipe that bursts from freezing. Please note that damage that the broken pipe causes is covered, unfortunately the pipe itself is not covered. The cost to repair the pipe will come out of your pocket. We urge you to confirm that your insurance policy includes "special form" coverage and that it correctly addresses the existing ownership and occupancy applicable to the property. As per our previous common cents tip in January 2013, (click here) coverage is voided then property is unoccupied or vacant. It is always better to eliminate or reduce the likelihood of a claim than to have to pay a policy deductable and experience the disruption resulting from a claim. Following are a few precautions that can be taken to lessen the likelihood of a bursting pipe: • Insulate your pipes, especially those near outside walls or that are exposed in an attic, crawl space or unfinished storage room. • Seal cracks or holes in outside walls near water pipes with caulking. • Disconnect, store and turn off the water supply for garden hoses. Water will not only freeze inside the hose but also within the spigot and subsequently in the source pipes causing them to rupture. • On extremely cold days, keep your cabinet doors open under your sinks to let in the warm heated air. • Keep your taps open a little bit so there is a slight constant drip. Make sure your drains are free and clear and in working order. • If pipes are beginning to freeze, you can ease the condition with the warmth of a hair dryer. Never utilize any type of open direct-flame such as a blow torch, which may lead to a structure fire or explosion. • A well-functioning centralized heating system should be the primary heating source for any building. Secondary heating sources such as fire places and industry approved space heaters, which are never left unattended, may be considered as a supplement. Never attempt to use a range, oven grill or any other type of unit not specifically designed as an indoor heat source. As always, if you have questions or feel we can be of service, call Hurst-Weiss Insurance at 412-922-8222.   Hurst-Weiss  “Your One-Stop Insurance & Investment Services Firm.”
Copyright 2010-2015 Michael C Konopelski, Common Cents Insurance Tips may not be copied or used without permission of the author. All rights reserved.
Menu
  |  Home  |   About Hurst-Weiss  |   Client Services  |   Investment Services  |   Request A Quote  |   Reports  |   Contact Us  |   Common Cent$  |   Mike's Insight  |  

Every effort has been made to insure all products are updated with current information. However features, specifications change. Hurst-Weiss Insurance & Investment reserves the right to change these without incurring any liability. Content Jan. 2012 Hurst-Weiss All rights reserved

JustinTyme Productions