Filed Under:Claims, Catastrophe & Restoration

The Year's Worst Winter Property Loss Nightmare?

Each of us may have a favorite “poor me” story from this winter, which seems never-ending, with hundreds of thousands of people left without power in icy and frigid conditions. But a Missouri family of nine probably takes the prize for the worst winter property loss nightmare.

Sometime after the family left home for Florida, a pipe burst on the top floor of their Missouri home, and 44,000 gallons of water cascaded through the house before service was able to be shut off. The interior of the house was soaked, with ice oozing out through lower floor window frames and siding. Imagine a reverse ice dam of sorts. To make matters worse, the homeowners’ car broke down, so they couldn’t immediately drive home to check the damage. Moreover, none of them could fly home because yet another winter storm resulted in a swarm of canceled flights.

A Deluge of Coverage Questions

Although the Missouri damage is just as extreme as this winter has been, the editors at FC&S Online® are flooded with similar situations each winter. For example, one agent posed not one, but two, commercial property damage questions:

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