
Many areas of North Texas are finally above freezing, but thawing can also lead to ruptured pipes.
Experts say if you do have a leak, immediately shut off the water at the source. For many stand-alone homes, the shutoff valve will generally be out near the street, often in a box below ground level. Be prepared to dig it out because those boxes can be rather nasty, cold, wet, and muddy.
The valve will usually require a tool of some sort, some vice grips, or a specially made key, a pair of pliers, or a box end wrench that'll fit.
And If it turns out you have property damage from ruptured pipes, you'll need to dig out your homeowner's insurance policy to make sure you're covered as water damage coverage can vary widely from company to company.
From the Texas Department of Insurance's Property and Casualty Section, Gammy Martinez says most homeowners' policies cover water damage from leaks and broken pipes, but there are exceptions.
Also, if you rent, the owner's policy won’t cover your furniture, electronics, clothing, or other personal items. You'll need renters insurance to cover your things.
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