Understanding Your Rights: Winter Storm Property Insurance Claims

Property Claims Attorneys – Advocates for Your Property Rights

In the wake of the recent severe winter storms that swept through Oregon and Washington, many property owners are grappling with the aftermath of frozen pipes bursting, leading to significant water damage. As the region recovers, it’s crucial to understand the nuances of insurance coverage in these situations. Winter storm property insurance claims can be tricky to navigate for a variety of reasons. At Property Claims Attorneys, we are committed to guiding you through these complex insurance issues.

Recognizing Common Insurance Challenges

1. Coverage Limits and Exclusions: Typical homeowner’s policies in Oregon and Washington cover water damage due to burst pipes. However, it’s vital to scrutinize your policy for coverage limits and exclusions. Some policies might not cover damages if the insurer deems that reasonable care was not taken to prevent the pipes from freezing.

2. Proving the Cause of Damage: Insurers often require clear evidence that the damage was directly caused by frozen pipes. This can be challenging, especially when the damage is extensive, and the exact cause is not immediately apparent.

3. Delay in Reporting: Timely reporting of the damage to your insurance company is critical. Delays can lead to denied claims, as insurers may argue that the damage worsened due to the delay.

4. Underestimation of Damages: Often, insurance adjusters may underestimate the extent or cost of the damage. This can lead to inadequate compensation that might not cover all repair costs.

Steps to Take After a Burst Pipe

  • Immediate Action: Shut off your property’s water supply and document the damage extensively through photographs and videos.
  • Report Promptly: Notify your insurance company immediately. Delayed reporting can be a significant hindrance in claim processing.
  • Professional Assessment: Consider hiring a professional to assess and document the damage. This can provide leverage during claim negotiations.
  • Keep Records: Maintain detailed records of all communications with your insurance company, including dates, times, and summaries of conversations.

Why Legal Assistance is Crucial

In the face of these challenges, legal assistance becomes indispensable. Property Claims Attorneys specialize in handling insurance disputes related to property damage in Oregon and Washington. Our team has extensive experience in negotiating with insurance companies and ensuring that property owners receive fair compensation.

Recent Winter Storms: A Case Study

The recent winter storms in Oregon and Washington have put the spotlight on the importance of understanding and effectively managing insurance claims related to frozen pipes. These unprecedented weather conditions have led to a surge in winter storm property insurance claims, making it all the more essential for property owners to be vigilant and proactive. An important part to the process is understanding whether your property is insured on an Actual Cash Value or Replacement Cost Value basis; check out our post to help you understand the differences so you are blind sided when the insurance claim payment is made.


If you’re facing difficulties with your insurance claim after the recent winter storms in Oregon and Washington, or if you need guidance on how to proceed with a claim related to water damage from frozen pipes, contact Property Claims Attorneys today. Our expertise is your peace of mind in navigating these complex issues.

Contact Us today for a free claim evaluation!

At Property Claims Attorneys, we are your advocates, ensuring that your rights are protected and your property is restored. Don’t navigate these challenging times alone – let us be your guide and your voice in dealing with insurance claims.