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Just a friendly reminder from your #1 local insurance agency. Although many people feel that global warming has been tearing through the East Coast the past two years, freezing and bursting pipes are still a huge concern for many homeowners during the winter season.  Freezing or bursting pipes can cause a wide variety of problems ranging from severe water damage to major structural damage. Some of the most common reasons for this problem are drastic decreases in temperature, poorly insulated pipes, and the thermostat being set too low. These extremely expensive insurance claims can be prevented in many ways by taking a few easy precautions. If you or your loved ones will be leaving your home unoccupied for a long period of time it is highly recommended that you keep your thermostat at 55 degrees Fahrenheit or higher. In fact, most homeowner insurance polices require this in order to be covered under your insurance policy. For further details regarding these requirements you can also refer to your current homeowner insurance policy. A few other precautions that can be taken in order to help prevent these disasters are: shutting off your water system, keeping the garage closed, opening up your cabinets to allow in heat, and properly insulating any exposed pipes.  Freezing and bursting pipes can happen to anyone’s home, we see these types of claims on our homeowner insurance policies every year.  Lets not make this a disaster for your family this year by taking advantage of some of these key precautionary measures.  For a closer look at the effects of frozen and bursting pipes check out http://www.redcross.org/prepare/disaster/winter-storm/preventing-thawing-frozen-pipes
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