Frigid winter temperatures can cause pipes to freeze – or even burst. Do you know how to tell if pipes are frozen? We’ve pulled together tips to help prevent frozen pipes and a list of suggestions for you to follow if they do freeze.

Pro tip: Know ahead of time how your homeowners insurance can kick in to help repair damage from a frozen and burst water pipe. Not sure if you’re covered? Talk to a local ERIE agent to find out.

SYMPTOMS OF FROZEN PIPES

One of the earliest signs of a frozen pipe is when no water comes out of your faucet when you turn it on. If you notice that, head first to the basement and check to see that the water is still turned on and that you don’t have a leak. Once you’ve confirmed these two things, continue your inspection to make sure one of your pipes has not burst. If your search reveals that your pipes are frozen but none have ruptured, you have two choices:

• Call a plumber to help thaw your frozen pipes. Most times, this is a better idea if you don’t think you can safely thaw the pipes yourself, you don’t know where the frozen pipes are or you can’t access the frozen area.
• Attempt to thaw the frozen pipes yourself. Be aware this option can be dangerous if not done correctly.

HOW TO FIX FROZEN PIPES

If you’re not an experienced DIY-er, it’s safer to defer this one to a professional. However, there are fast fixes you can try if you’re experienced with home maintenance work. If you attempt to thaw the frozen pipes yourself, keep the following tips in mind:

• Keep your faucet open. Water and steam will be created during the thawing process, and your pipes need an opening to discharge this. Keeping the faucet open also allows for moving water to run through the pipe, which will expedite the thawing process.
• Apply heat to the section of the pipe that is frozen. This can be done by wrapping an electronic heating pad around the pipe, heating the area with a hair dryer or both. If you lack either of these items, using towels soaked in hot water will help as well.  Remember, this is a temporary fix and the heating pad should not be left unattended to prevent a fire.
• Know what not to do. Never use a blowtorch, propane or kerosene heaters, a charcoal stove or any other open flame device to thaw your frozen pipes. That presents a severe fire hazard. You should also avoid using a space heater unless you are sure the area is clear of any flammable material. Again, never leave the space heater unattended.
• Continue applying heat until water flow returns to normal. Once you have successfully thawed the pipe, turn on other faucets in your home to check for any more frozen water pipes.
• Take swift action if the frozen pipes are located inside an exterior wall. This is a serious situation when you should call a professional contractor, as repairs may involve cutting a hole in the wall toward the inside of the house to expose those pipes to warmer air.

HOW TO PREVENT FROZEN PIPES

While we can’t control the weather, there are things we can do to prevent pipes from freezing. To prevent pipes from freezing and causing major damage, follow these steps:

• Drain water from pipes that are likely to freeze. This includes your swimming pool and sprinkler water supply lines.
• Disconnect any hoses from the outside of your home, drain the hoses and store them in the garage. Make sure to close the indoor valves supplying these outdoor access points.
• Insulate the area around vents and light fixtures. This helps prevent heat from escaping into the attic.
• Seal any wall cracks. Be sure to pay careful attention to the areas around utility service lines.
• Open kitchen cabinets. This allows the warm air to circulate around the pipes.
• Keep the garage doors closed to protect water lines.
• Allow your faucets to drip cold water on the coldest days. The movement will make it harder for the water to freeze.
• Keep your thermostat at the same temperature day and night. Never let it fall below 55 degrees Fahrenheit when you leave your home.
• Ensure you have proper seals on all doors and windows.
• Place a 60-watt bulb in areas where you’re concerned about pipes freezing. Make sure there are no combustible materials near the bulb.

PROTECTION FROM FROZEN WATER PIPES

Frozen water pipes and the damage they can cause are a reality for thousands of people each year. That’s especially the case when you are at below freezing temperatures for an extended period of time.

The Insurance Institute for Business & Home Safety says a burst pipe can cause more than $5,000 in water damage. That’s because the damage can be extensive.

“We see about 2,000 claims per day during an average January winter,” says Chris Zimmer, senior vice president of claims for Erie Insurance. “A number of them are due to frozen water pipes.”

When you sign up for Medicare Parts A and B, you also have the option to apply for a Medicare Supplement insurance plan.

A Medicare Supplement plan, sometimes called “Medigap,” is a private insurance policy that can help pay for some of the health care costs that Medicare doesn’t cover. But is this coverage really necessary? And more importantly — is it worth it?

WHY CHOOSE A MEDICARE SUPPLEMENT PLAN?

To answer those questions, it may help to understand why you’d want to enroll in a Medicare Supplement plan in the first place. Here are some important reasons:

• It helps pay the portion of approved expenses not covered by Medicare. This can include out-of-pocket expenses such as copayments, coinsurance and deductibles.
• There are a variety of plans to meet your needs. Erie Family Life offers four supplemental insurance plans designed to fit your life and your budget.
• With no network, you can choose any doctor or hospital that accepts Original Medicare.
• Coverage is guaranteed to renew each year (unless you make untrue statements, commit fraud, or fail to pay premiums).

IS IT WORTH IT?

As with any insurance policy, the answer to whether the cost is “worth it” will largely depend on your personal financial situation.

But health care and out-of-pocket expenses for Medicare participants are on the rise. If you’re concerned about your ability to pay unforeseen health care costs, you’ll probably find that the peace of mind a Medicare Supplement plan can provide is worth the cost.

And if you’re already an ERIE customer, you may be eligible to get lower premiums with discounts, including:

• Household Discount: Available if someone else in your home has an ERIE Medicare Supplement plan. The availability and amount of this discount  varies from state to state. Ask your agent for details.
• Multi-policy Discount: Available when the Medicare Supplement plan covers an ERIE auto, home or life policyholder. Not available in all states.

TALK TO AN ERIE AGENT

When it comes to reviewing and choosing a Medicare Supplement insurance plan, the decisions can be daunting. But you don’t need to be an expert because we’re here to help. Contact your ERIE agent or find an agent in your neighborhood for your free Medicare Supplement guide.

Erie Family Life and our agents can help you select the best supplemental plan for your life and your budget. And we’ll be here when you need us, ready to answer your questions. That’s our promise of service.

ERIE® Medicare Supplement insurance products and services are provided by Erie Family Life Insurance Company.  Go to erieinsurance.com for company licensure information.

The policy has exclusions, limitations and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, contact your ERIE agent or refer to the government guide Choosing a Medigap Policy: A Guide to Health Insurance for People With Medicare.

Eligibility for insurance coverage will be determined at the time of application based on applicable underwriting guidelines and rules in effect at that time.

ERIE Medicare Supplement insurance is not available in the District of Columbia, New York and Wisconsin.  Life insurance not available in New York.

Trees can be tricky, but for the most part homeowners are responsible for what falls into their own yard. So if a storm causes your neighbor’s tree to fall in your yard, your homeowners insurance could help cover the cost of removing the tree and remedying the damage it caused on your property, after your deductible.

The same is true in reverse: If a tree on your property falls in your neighbor’s yard, your neighbor should contact his or her insurance company to determine what type of coverage is available for damage or cleanup in their yard.

In most cases, neighbors are able to work things out without too much trouble. Depending on the extent of the damage, you may need to file a homeowners insurance claim. Your homeowners insurance may or may not cover the cost of tree cleanup, depending on your policy and the company you work with.

Good news: Homeowners insurance from ERIE typically pays for the cost (subject to sublimits) of removal of fallen trees if it’s due to a covered peril, such as a storm.

If there’s ever an issue between neighbors, you can rely on your claims adjuster to help straighten everything out.

THE CLAIMS PROCESS

If a tree falls on your house, the first thing to do, if it’s safe, is to try to prevent further damage to your home and property. Make sure to take some photos to document what happened. Then call your insurance agent, who can explain your options and help you understand if and how to file a claim. When you file a claim, a claims adjuster will come by to evaluate the damage and explain how your homeowners coverage comes into play. It’s recommended that you call your claims adjuster before you contract to have the tree removed.

Sometimes trees fall on cars. If it’s not safe or possible to remove the tree from the car yourself, you should call a professional to remove it. (Again, talk to your insurance agent and a claims adjuster first and take a few photos of the fallen tree on your car.) Depending on the damage and terms of your insurance coverage, the optional comprehensive coverage you may have under your auto policy could provide coverage for the loss.

PREVENTING TREE DAMAGE

Preventive measures matter when it comes to trees. Start by looking for signs of distress such as dead limbs, cracks in the trunk or major limbs, leaning to one side and branches that are close to a house or power line. Mushroom growth on the roots or bark can also signal trouble.

Homeowners should be concerned about the health of their trees. It’s possible for you to be held responsible for resulting damage to your neighbor’s house or property, if your tree falls due (in whole or part) to your own neglect. One of the best things to do is to regularly have large trees trimmed. (The Tree Care Industry Association lists accredited tree care professionals.)

There are few things in life worse than losing your home to fire or a natural disaster.

Except, that is, discovering in the aftermath that you don’t have enough homeowners insurance coverage to rebuild the house back to the way it was before trouble struck.

If you get guaranteed replacement cost coverage, that is unlikely to happen. Why? Because guaranteed replacement cost will pay for the full cost of rebuilding your house back to its previous size and specifications* – right down to the granite countertops, custom bookshelves, and gleaming hardwood floors that you so love.

“Guaranteed replacement cost gives you peace of mind,” says Bob Buckel, vice president and product manager at Erie Insurance. “The reality is that it’s almost impossible to estimate to the penny what it’s going to cost to rebuild a home. We take that worry away from you.”

In fact, the vast majority of ERIE’s homeowners insurance policyholders opted in to guaranteed replacement cost coverage to protect their most valuable asset – their home.

Keep in mind that guaranteed replacement cost isn’t available in all states. In North Carolina, ask about Enhanced Replacement Cost. For specific questions or a personalized estimate for your home, talk to a local insurance professional like an Erie Insurance agent.

How Much Coverage Should I Have on My House?

When you purchase a home and start thinking about protecting your investment, this is often the first question. The answer is often: More than you just paid for it, Buckel says.

“People naturally gravitate to how much they paid for the house, but we’re not insuring it to buy it from you – we’re insuring it to rebuild it in case something happens,” Buckel says. “The question you need to be asking is, ‘How much would it cost if a builder needs to rebuild it?”

See also: How Much Does Homeowners Insurance Cost?

This is why replacement cost is often more than market value for your home, or even what you might be able to sell it for.

Figuring out rebuilding costs can be elusive, as a range of factor contribute to what that actual cost might be. Guaranteed replacement costs takes the guesswork out, assuring that you’re covered – even if you need to rebuild your entire home*.

As A Homeowner, You Have Choices

Guaranteed replacement cost is one of a range of choices – called “loss settlement options” in the business – which insurance companies offer to homeowners. Common loss settlement options include:

• Replacement cost
• Extended replacement cost
• Actual cash value
• Guaranteed replacement cost

Each one works a little bit differently. Different insurance companies offer different things, too. (For example: ERIE does not offer actual cash value loss settlement for the dwelling on your primary home – it’s only available for secondary homes and contents. You’ll learn more about actual cash value below.)

Here’s a breakdown of some of those key differences:

Replacement Cost vs. Guaranteed Replacement Cost

That one word – guaranteed – makes a big difference if you’re facing a total loss of your home.

When you’re issued a policy with just replacement cost, the insurance company works with you to project how much it would likely cost to fully replace your home. You can see the replacement cost and the specific limit for your policy on your declarations page. Replacement cost is provided up to the limit shown on the declarations page.

The replacement cost amount usually gets increased annually – usually by 2 to 5% based on inflation in your area.

Yet, if your home is destroyed and a builder actually estimates that the cost to rebuild is more than that replacement cost figure… then you, as the homeowner, are responsible to make up the difference. That’s why it’s important as a home owner to make sure you know and are comfortable with how much your home is insured for.

Here’s an example: If your home is insured at a replacement cost of $200,000, and in reality it is going to cost $250,000 to rebuild, then you either need to come up with an additional $50,000 or find ways to reduce costs… which could result in a smaller, less-appointed house than you originally had.

The premium amount you pay for replacement cost compared to guaranteed replacement cost is typically about the same, although some factors unique to your situation may make one or the other more expensive.

Extended Replacement Cost vs. Guaranteed Replacement Cost

With extended replacement cost, your insurance company assures that a financial cushion exists in the event that cost of rebuilding is more than the estimated replacement cost.

Specifically with Erie Insurance, that cushion is 25 percent above the dwelling amount, as shown on your declarations page. So for a home insured at $300,000, extended replacement cost would give you an extra $75,000 to work with. Yet again, if costs go beyond that extra $75,000… you are on the hook to make up the difference, or rebuild a smaller home. While 25 percent may seem like a lot, there are often circumstances that cause costs to soar well beyond that.

“When a hurricane or tornado does a lot of damage in a specific area, the cost to rebuild skyrockets,” Buckel says. “Everyone is trying to rebuild, and the cost of lumber, labor and building supplies all go up. If you don’t have the right coverage, you are not going to have nearly enough to rebuild.”

            Related: How Named Storms Affect Your Insurance Coverage

Premium costs for extended replacement cost are generally comparable to guaranteed replacement cost, although some factors unique to your situation may make one or the other more expensive.

Guaranteed Replacement Cost vs. Actual Cash Value

In simple terms, actual cash value is basic coverage. While there’s no doubt that actual cash value is typically your least expensive option, there is also truth in the old saying, you get what you pay for.

With actual cash value, you get coverage for a pre-determined set amount, and no more. Further, some policies also factor in depreciation of things such as an aging roof – so you may end up with even less than the policy states.

Compared to guaranteed replacement cost, actual cash value often offers the least attractive option as you will likely be required to pay out-of-pocket costs if you aim to restore your home to its previous design and condition.

As we mentioned above: ERIE does not offer actual cash value loss settlement for the dwelling on your primary home – it’s only available for secondary homes and contents.

Better Safe Than Sorry

Of course, the ideal scenario is that you will never need to use guaranteed replacement cost coverage. That’s why it’s so vital to be proactive in protecting your home.

Yet, if you do need it, you can rest assured that guaranteed replacement cost coverage will provide the money necessary to rebuild without requiring you to shell out additional cash.

“If it’s a covered loss and costs run high, we will pay whatever the difference is,” Buckel says. “It’s on us, not you.”

Life insurance, by its very nature, is deeply personal. It transforms the vulnerable into the secure.

It can also leave you wondering – how does that all work, anyway?

Keep reading for answers to a few curious questions you’ve probably wondered about life insurance… but were too afraid to ask.

Q: I HAVE A DANGEROUS HOBBY. CAN I STILL GET LIFE INSURANCE?

A: In many cases, yes – but expect to answer some questions and (probably) pay a little extra to account for the additional risk.

Before giving you a quote, your local insurance agent may ask you to fill out a written questionnaire to understand more about your hobby.  At ERIE, that includes hobbies such as:

• Rock climbing
• Vehicle racing (stock cars, drag racing, motorcycles, etc.)
• Aviation
• Sky diving
• Scuba diving

The questionnaire will ask you some basic information to understand your hobby. This could include:

• How long you’ve been doing this hobby
• How frequently you participate
• Any training, education or certifications you’ve received
• If you ever get paid or hired for your hobby (as opposed to just doing it for fun)
• Future goals or plans for your hobby

It’s important to be honest when filling out your questionnaire. If you fudge the details in an attempt to seem less risky… that could be grounds for denying a claim later on. Your completed questionnaire is sent to the life insurance underwriter, who determines the scope of the risk – and ultimately helps calculate the rate you’ll pay.

For example: Let’s say you’re into rock climbing. Does that mean you climb indoors with friends once in a while at the local gym? Or are you planning a trip to the Himalayas to go ice climbing alone? Similarly, if you have a private pilot license – are you taking occasional short trips for business? Or are you regularly stunt flying in air shows on the weekends?

You get the idea… it’s all about calculating that risk.

Q: IF I QUIT SMOKING, CAN I GET RE-RATED TO SAVE MONEY ON LIFE INSURANCE?

A: First things first: Good for you!

As for your life insurance: Generally speaking, yes – you can ask your local agent to get your existing policy re-rated.  Before you do, though, you’ll likely have to show some stability in those lifestyle changes for a year or two to prove that you’re in this for the long haul.

What happens next may differ, depending on the circumstances. (Your agent can explain the specifics as they pertain to you.)

If you quit smoking because you’re just ready to live a healthier lifestyle – great! With no complications, you could get bumped from the “smoker “to the “nonsmoker” rate classification (and likely save some money in the process).

But, if you quit for a medical reason – such as a diagnosis of COPD or lung cancer – that’s a health concern that could impact the cost savings you’d otherwise see from quitting smoking. Your agent will ask you to fill out a questionnaire to get the specifics on why and how you quit.

Q: WHAT IF I LOSE 50 POUNDS? COULD I GET RE-RATED THEN?

Similar to the smoking example above, expect some follow-up questions about your weight loss. For example: “How and why did you lose the weight?” There are risks that come with weight loss surgeries, such as gastric bypass or lap band surgeries. Similarly, if you dropped a bunch of weight without even trying to… that could be the sign of a worrisome chronic illness or depression. If you start or stop taking certain medications because of your weight loss, that could also affect your rate.

If your weight loss is the product of good ol’ fashioned discipline, diet and exercise: Once you show you can keep it off (and provide any necessary test results and information), you could get bumped to a more favorable rate class.

Remember, insurance rates are all about data and probability. When it comes to weight loss, most carriers will add at least 50% of the weight back when they calculate your new rate. Why? Statistically speaking, if you drop a bunch of weight, studies show you’re likely to gain at least some of it back.

Ask your ERIE agent about re-rating your policy if or when your circumstances change.

TALK TO A LOCAL ERIE AGENT FOR A LIFE INSURANCE QUOTE

Have a weird or embarrassing insurance question? Don’t be shy: Our local agents are licensed professionals – they’re not here to judge.

Find a local ERIE agent near you to get the conversation started, or request a life insurance quote online.

LEARN MORE ABOUT LIFE INSURANCE

Read about ERIE’s life insurance offerings or check out these related blog posts:

• I Have Life Insurance Through Work. Isn’t That Enough?
• Don’t Let These 6 Reasons Hold You Back from Buying Life Insurance
• 8 Tips for Buying Life Insurance for the First Time
• Term vs. Whole Life Insurance: Which Do You Need?