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Commercial Insurance

Insurance & Frozen Pipes

Prokop Team · November 25, 2024 ·

Insurance & Frozen Pipes Minnesota

Frozen pipes can present an invisible threat – one that you might not recognize until the weather starts to warm. By then, the water damage can be significant and costly. Fortunately, keeping your home warmer, at a consistent temperature and better insulated can help protect your pipes from freezing this winter.

What do you do if you have a frozen pipe?

If you suspect pipes in your home have been exposed to freezing temperatures, or water is not flowing through a faucet normally, follow these steps to help reduce the potential for water damage:

  • Locate and close the main water shutoff valve as soon as possible and before temperatures rise above freezing.
  • Open all faucets, including those outside, to drain remaining water from pipes.
  • Have buckets, towels and fans available to contain, clean up and dry water leaks.
  • Slowly turn water back on and inspect for leaks. If there are leaks, be prepared to turn the water off immediately.
  • Also inspect pipes for damage in areas like attics and crawl spaces, where it is safe to do so.
  • Never use torches or heat guns to facilitate thawing, as these can create fire hazards.
  • As temperatures increase above freezing, watch and listen for signs of water leaks.
  • If there is pipe damage, call a licensed plumber for repairs.

Why is a frozen pipe a concern?

When water begins to freeze, it expands. This can cause both plastic and metal pipes to burst, possibly leading to significant water damage to your home.

  • Since water expands when it freezes, it puts unwanted pressure on pipes.
  • As water freezes, the force exerted from the expansion can cause a pipe to burst, regardless of the strength of the material.
  • You may not know you have a burst pipe as the water has turned to ice. Once the temperature starts to warm and thawing begins, leaking and flooding can occur.

Which pipes are most at risk?

Pipes that are most exposed to the elements, including those outdoors and along the exterior walls of your home, may need extra protection during winter months. These include the following:

  • Outdoor hose hookups and faucets.
  • Swimming pool supply lines.
  • Lawn sprinkler lines.
  • Water pipes in unheated, interior locations such as basements, crawl spaces, attics, garages, and kitchen and bathroom cabinets.
  • Pipes running against exterior walls with little or no insulation.

How to help prevent frozen pipes

Before winter:

  • Check your home for areas where water pipes are located in unheated or poorly insulated areas. Be sure to check your basement, attic, crawl space and garage and within cabinets containing plumbing. Hot and cold water pipes should both be insulated.
  • Products such as pipe sleeves or UL-listed heat tape or heat cable can help insulate or heat exposed water pipes.

During winter:

  • Close inside valves supplying water to outdoor faucets and hookups.
  • Open outdoor faucets to allow residual water to drain; be sure to keep them open during the cold weather months, while the water supply is turned off.
  • Keep garage doors closed to help protect water pipes located in the garage.
  • Open the doors on cabinets where plumbing is located. This can help allow warmer air to circulate around the pipes.
  • For pipes that are at risk of freezing (both hot and cold water pipes), let water drip from faucets.
  • Keep the heat in your home set at a minimum of 55 degrees.

Preventing frozen pipes is essential to avoiding costly water damage and disruptions at your property. Simple steps like insulating exposed pipes, keeping a consistent indoor temperature, and allowing faucets to drip during extreme cold can help prevent freezing. Sealing cracks and openings to reduce drafts and knowing how to shut off your water in an emergency can also minimize potential damage. Being proactive about these measures can save you from expensive repairs and insurance claims.

Call to Action: Protecting your home or business goes beyond just preventing frozen pipes—having the right insurance coverage is just as important. Contact my office today for a FREE review of your insurance to see if you’re underinsured. We’ll review your current policy and work to beat your existing premiums while ensuring you have the protection you need. Don’t wait until it’s too late—reach out now!

CONTACT US NOW!

Buying A Box Truck In Minnesota

Prokop Team · June 20, 2023 ·

box truck insurance Prokop Insurance

Here is a complete guide to buying a Box truck in Minnesota.

Box trucks that are used for commercial purposes must be licensed. The licensing requirements vary depending on the size of the truck and the type of business you are operating.

To get a box truck license, you will need to:

  • Complete an application with the Minnesota Department of Motor Vehicles (DMV).
  • Provide proof of insurance.
  • Pay a fee.

Once you have a license, you will be required to renew it every year.

In addition to licensing requirements, there are other things to consider when getting box truck insurance. These include:

  • Your driving history.
  • The type of cargo you will be hauling.
  • The amount of miles you will be driving each year.
  • The value of your box truck.

We can help you assess your needs and find the right policy for your business. Contact us today for a free quote.

Looking for the best deal on a new or used box truck? We recommend Astleford International, a local truck dealer that has been around since 1953. They carry new International and Isuzu while maintaining a great selection of used box trucks.

Once you have purchased the box truck, you will need insurance. Prokop Insurance Agency is a family-owned and operated insurance agency serving the Minnesota community for over 30 years. We are committed to providing our clients with the best possible service and the most competitive rates. Read more about our box truck insurance.

We offer a wide variety of insurance products, including auto, home, business, and life insurance. We are also licensed to sell box truck insurance.

Contact us today to learn more about our box truck insurance policies and to get a free quote.

Prokop Insurance Services
Email: service@prokopinsurance.com
Phone: 612-333-7767
9900 13th Ave N STE 200
Plymouth, MN 55441

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