What should I do first when a pipe freezes in my house?
Shut off the water at the main, then find out whether the pipe has split before you open any faucet. Do not use an open flame, a torch or a propane heater on a pipe or inside a wall. Call a restoration crew if water has reached the floor, walls or the electrical panel.
Locate the main shut-off, usually where the water line enters the basement or crawl space. Close it and leave it closed until someone has looked at the line. If the faucets still run, the water in the pipes may be draining from the break, so the valve is the first thing to close.
Stay out of standing water near the furnace, the water heater, an outlet or the panel. If water is near electrical equipment and you cannot reach the panel dry, leave the power alone and call the power company. Move valuables off wet floors, take photos before anything is moved, and keep children and pets out of the area.
Why do frozen pipes cause so much damage in Lakewood houses?
The houses here were built before 1940 with little insulation in their exterior walls, and many of the plumbing runs sit in those walls, in enclosed porches and in attics. When the water in them freezes, the pipe can split, and the water often does not appear until the thaw. The wall then holds that water for days.
A stone, rubble or early-concrete basement wall can hold moisture much longer than a modern drywall cavity. Plaster and old softwood subfloor also dry slowly, so a small leak can cause damage well beyond the first visible stain.
In a double, the bathroom or kitchen above a living room is the most common place to find a ceiling stain after a freeze. A vacant upstairs flat can go unchecked for days over a holiday, which is when a split line is often discovered late.
Who fixes the pipe and who dries the house?
A licensed plumber repairs or replaces the pipe, and a restoration crew removes the water, dries the structure and documents the damage. The two jobs are separate, and the crew does not do the pipe work. Plumbing work is licensed in Ohio, so ask any company which license it holds and check it with the issuing office.
The crew can help stop the water at the shut-off, board up an opening and clean and dry the area afterward. The rebuilding of drywall, trim and flooring is quoted after drying, once the wet area has been seen.
Registration rules for plumbers differ between cities here, so check with the building department of the city where the house is. Ask the plumber which registration it holds and confirm it before the repair starts.
What makes a frozen pipe job bigger or smaller?
The size of the wet area, how long the water sat before it was found, the materials it reached and whether anything has to be removed all move the work up or down. The price is explained and approved before work starts, and repairs after drying are quoted separately. Access, the age of the building and the number of units also matter.
Old lath-and-plaster walls, a softwood subfloor and finished basement drywall each take more time than a single wet panel. Carpet and pad that have soaked through are typically removed, and a flood cut in a wall adds work. If the water has reached a second floor or a basement, the job covers every floor it touched.
Access can add time. A narrow side yard, a bulkhead stair, a third-floor apartment or a crawl space under a rear addition all make the equipment harder to set. A plumber may be needed before any drying can begin, and that repair is not part of the restoration work.
Will my insurance cover frozen pipe water damage?
A standard homeowners policy generally responds to sudden and accidental water damage, such as a burst supply line. Whether your policy pays for a particular claim is decided by your insurer under your own policy terms. Check your policy or ask your agent before you need it.
Photos, the date you found the water and the steps you took to stop it are useful for the claim. Call your insurer early, and ask the crew for moisture readings and photos to share with them. The crew can document the damage, but it does not handle the claim.
Renters insurance covers a tenant's belongings, while the building belongs to the owner. In a double with two households, each side may have a different policy, so ask each insurer what it covers. If you have a dispute about how a claim was handled, the Ohio Department of Insurance takes consumer complaints.