Winter Storm Warnings, Winter Weather Advisories, Freeze Warnings, and many other forms of advisories have been issued all across Louisiana by the National Weather Service. This is due to the latest winter storm blasting across Louisiana.

As this storm brings sub-freezing temperatures, numerous effects are being dealt with in the state. From concerns about road conditions, to power lines, and hypothermia, the state of Louisiana has a lot to be worried about when it comes to winter weather. The state really isn't built to withstand an arctic blast.

Especially with this latest storm bringing historic snowfall accumulations to areas that don't see snowfall.

Due to the state's infrastructure, especially in the costal region, freezing temperatures can do massive damage pretty quickly. Especially when it comes to plumbing.

Frozen and burst pipes will be common throughout the state of Louisiana during this storm. When pipes are exposed to freezing temperatures for as little as 6 hours, they can freeze, which can then lead to a burst pipe.

First, if you have a burst pipe, you need to be able to shut off the main water source. If you don't, water will continue to flow from the burst pipe. This will be important as we talk about an insurance claim. Once the main water source is shut off, you need to call a professional plumber right away.

The plumber will be able to replace the burst pipe, and get your system restored. You will want to make sure you have documentation of this.

When it comes to an insurance claim on a frozen and burst pipe, your homeowner's policy is not likely to cover the frozen or burst pipe. You will be responsible for paying to have a plumber fix it.

This includes any work to access the pipes, and materials needed to replace it. These costs can be anywhere from $200 to $3,000.

Now it is possible that your homeowner's insurance might cover the water damage do your home from a frozen and burst pipe, but you have to be careful with the scenario. If you don't have everything done right, the insurance company can deny the claim. This is why you want documentation from a professional plumber about the repairs.

The goal of for-profit insurance is to make money, which they can only do when they deny more claims than they honor. So if you don't have everything done the way they want on a claim, they will try to deny first.

If its deemed that you didn't do enough to protect your pipes, by having them covered/wrapped, insulated, your home heated enough, insulation up to their standards, or any other reason that could have lead to your pipes freezing...they could deny your claim.

The water damaged caused by a burst pipe could be denied by your homeowner's insurance if they determine you didn't stop the flow of water quickly, or are considered responsible for the pipes bursting. If your are at fault for the pipes freezing and bursting, the insurance claim on the damage will likely be denied.

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