What cold-related house damage does your insurance cover? You may be surprised

ROCKVILLE, Md. — The cold isn’t just dangerous for you; it can also be bad news for your home. Insurance companies are expecting an uptick in cold-weather claims from damage brought on by Mother Nature, but a homeowner’s insurance policy doesn’t cover everything.

Damage from a frozen or burst water pipe is covered. In addition to repairs made to the home, Rick Stein, of the Rick Stein Insurance Agency in Rockville, Maryland, says you can file a claim for the cost associated with removing mold caused by the break.

Insurance companies expect burst pipes to be the most common problem during the frigid weather.

“It’s not so much snow; it’s cold, so they’re expecting burst pipes,” Stein said.

Homeowner’s insurance also covers any water damage caused by an ice buildup on the roof.

Some things that won’t be covered, though, include damage caused by melting snow seeping into the home through the foundation. Also, a homeowner can’t file a claim for damage if the house is vacant.

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Mike Murillo

Mike Murillo is a reporter and anchor at WTOP. Before joining WTOP in 2013, he worked in radio in Orlando, New York City and Philadelphia.

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