Most people assume January is peak burst pipe season.
It’s actually late February and March.
Why?
Because:
Temperatures fluctuate dramatically
Snow melts and refreezes
People travel for winter breaks
Vacant properties go unchecked
Second homes and vacant properties are especially vulnerable.
High-End Homes = High Claim Severity
When a pipe bursts in a 6,000+ sq ft home:
Hardwood flooring is destroyed
Custom cabinetry swells
Finished basements flood
Mold remediation may be required
Claims regularly exceed six figures.
Important Coverage Questions
Do you have water backup coverage?
Do you have a vacancy clause?
Is mold sub-limited?
Do you have service line coverage?
A 10-minute policy review can prevent a six-figure surprise.