Frozen busted water pipes? Don’t file a ‘flood’ claim

February’s relentless cold temperatures are wreaking havoc on the water pipes and fire-protection sprinklers of commercial enterprises and private homes alike. When the pipes freeze and expand, they tend to burst at the seams, causing costly — and miserable — water damage to the structure and contents of homes and businesses.

For the owners of these properties, a natural response is to pick up the phone and file an insurance claim for damages. But public insurance adjuster Wes Baldwin of Charlotte warns that there is a right way and a wrong way to report a claim: “When people are standing in several inches of water, due to frozen broken water pipes, it’s somewhat natural to…

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