What Should I Do If My Pipes Are Frozen?

The weatherman has warned you that a cold front is barreling its way into your local area. You go to sleep the night before with extra covers on the bed and the thermal blanket set to "high". When you awake in the morning, it takes all of your determination to crawl from between the warm covers to start your day. As you step to the sink and turn the faucet on, nothing happens. Oh no! You forgot to leave the water trickling over night. Obviously, water has frozen in the pipes. Thankfully, you look around everywhere in the house and you see no evidence of a water leak. You may assume that the only tragedy is that you'll have to go to work without a shower, but think again.

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My Friend/Neighbor/Relative Didn't Have To Pay Their Deductible

Every once in a while our company is asked if we can "bury" a prospective client's deductible. We are often told that a previous contractor who completed repairs to the home did the work without collecting the deductible. I have no doubt that such persons are telling the truth, since such occurrences are far from rare. I also have no doubt that the deal these homeowners think they have gotten will cost them more than their deductible in the long run.

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Do I Really Have To Pay My Deductible?

When you purchase a homeowners insurance policy, one of the decisions to be made is at what price point you want to set your deductible. The deductible is the amount you must pay personally BEFORE the insurance company steps in to cover the remainder of the loss amount. Essentially, you are self-insured up to the amount of your deductible.

When you file an insurance claim, either the insurance adjuster or a contractor, such as Champion Construction, will write a repair estimate. Let's say you had a $500 deductible, and the claim total was $5,000. The insurance company would issue a check for $4,500, with you personally owing the remaining $500. So, now you have a check for $4,500 and you want to know if the contractor can repair your home for that amount ONLY, saving you $500 hard-earned dollars. The short answer is "No", but let's take a step back into history for a moment.

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