Thermostat Malfunction and Burst Pipes: Insurance Claim Under Review
We own a rental property and typically maintain the heat at 60 degrees when it’s unoccupied. Unfortunately, while we were away, the thermostat unexpectedly failed, and even new batteries didn’t resolve the issue. During that time, a cold snap hit, leading to multiple frozen and burst pipes.
The heating bills reflect a significant decrease in gas usage, since the faulty thermostat didn’t signal for heat.
We are facing $25,000 in damages, and our insurance claim is now in jeopardy due to the temperature drop.
Could the malfunctioning thermostat be a valid reason for a claim denial?
I’m sorry to hear about the damage to your rental property. Whether a faulty thermostat could cause your insurance claim to be denied typically depends on the specific terms and conditions of your policy. Many homeowner’s insurance policies require you to take reasonable steps to maintain the heat in your home, and a failure to do so could lead to complications in a claim.
Here are a few things to consider:
Policy Coverage: Review your insurance policy closely. Look for any clauses related to maintenance obligations, heating requirements, or specific exclusions for water damage caused by frozen pipes.
Documentation: Gather all documentation regarding the thermostat and the temperature drop, including receipts, maintenance records, and any relevant communications. This can help support your case.
Expert Opinion: If possible, obtain an expert’s opinion on the thermostat’s failure and whether it could reasonably be expected to operate properly under those conditions. This might help clarify whether the failure was due to a defect or something outside your control.
Negligence: Insurance companies may deny a claim if they determine there was negligence involved. If you can demonstrate that you took reasonable precautions (like keeping the heat on) and that the thermostat failure was unforeseen, you may have a stronger case.
Appeal Process: If your claim is denied, find out the reasons and whether you have the option to appeal. You may want to consult a lawyer or a claims advocate who specializes in insurance claims for advice and assistance.
Ultimately, it will depend on the specifics of your insurance policy and the circumstances surrounding the thermostat failure. Good luck!