Winters in Illinois can be described as long, cold, and unpredictable. While the winter weather may bring a lot of outdoor fun, it can also create a lot of problems indoors. Issues that can be expensive to fix. When living in a community association, one of the biggest concerns is the potential for frozen pipes in frigid temperatures. 

Frozen water lines can burst and cause significant property damage  

frozen pipesIf your building is heated by water that circulates through baseboard pipes, it’s critical that these water lines don’t freeze during one of the many cold snaps that Illinois faces throughout the winter months.  

The thermostat controls the electric zone valves on the pipes to lower or raise the room temperature. If ice forms anywhere in the pipe, the water line pressure increases and can cause the valve to fail and release the water into the room. 

It’s important to understand that the system has an unlimited water supply; meaning a tremendous amount of damage can result before the water is turned off. Unfortunately, it’s usually not just a single unit that is impacted. Suites adjacent and below are affected as the water can travel down several floors and leave a long trail of destruction. 

The cost of frozen pipes affects all owners  

Effects of frozen pipesDamage from a burst pipe can cost thousands of dollars to repair. While it is usually insured, there are financial consequences to all owners. Most often, the deductible is paid by the association as the water lines are shared between units and run throughout the common areas. However, in some cases, it may be determined that a resident is responsible for the frozen pipe, and the payment of the deductible would then fall to the unit owner. Not to mention, any damage caused to property owned by the resident, such as furniture or clothing, is their own responsibility.  

When such a claim is placed, deductibles can increase to $50,000 or more. When too many claims are placed, it can become difficult for the association to renew its insurance, creating additional problems. 

Do your part to prevent frozen pipes  

While letting some fresh air into your unit can be desirable even in the cold winter months, this should never be done in below-freezing temperatures. A window or patio door left open in the cold weather is what usually causes a water line to freeze. In addition to keeping windows and patio doors closed, ensure that window treatments and furniture aren’t covering or blocking the baseboard heating. This can channel cold air down the wall and freeze the water lines.   

Stay informed by keeping an eye on your community’s communication channels. The management team will often send a quick note when extreme cold is on the way as a reminder to do your part in preventing frozen pipes. It’s also beneficial to learn how to shut the water off in your unit in case of an emergency. Shut-off valves are located at the pipe’s entrance to and exit from your suite. 

What to do when the temperature is at or below freezing  

If the temperature is rising in your unit as you’re cooking a big meal, it might be second nature to crack open the window to quickly bring the temperature down. However, in the colder winter months, you should never leave a window or patio door open for any length of time. A space of just one inch can cause a pipe to freeze within minutes. Cold air is heavier than warm air. Even if the window is five feet above the floor, the cold air will travel to the floor and freeze the water line. 

When in one of the common areas, don’t prop open outside doors for easy access; pipes in the stairwells or hallway may freeze. While working out in the gym, it may feel too hot, and propping open the door may seem like a quick and easy solution to cool down. However, this can result in more issues. Talk to the community association manager about lowering the temperature in the gym if the room is uncomfortably warm.  

The thermostat should never be set below 63 degrees during the cold weather, even if you are going away on vacation and the unit will be vacant for an extended period of time. The zone valve needs to cycle on and off regularly to allow water to flow through the pipe to prevent ice. And it goes without saying that you should never turn the thermostat completely off. 

Review your association’s Declaration and your insurance coverage  

Reviewing insurance documents for coverage of effects of frozen pipesYour association’s Declaration should outline who is responsible for the different types of repairs that unit owners may face. That includes repairs needed from damage caused by frozen pipes. In some cases, when the association’s insurance coverage is triggered, the association may have the right to charge back the deductible of the insurance policy. This can happen if the owner, through an act or omission, caused the damage to the owner’s unit or if the association has language in the Declaration that allows it to charge back so long as the association did not cause the damage. To better protect yourself it’s extremely important to know your community’s Declaration and rules. 

To better understand how you are covered as an owner or tenant, review your insurance coverage through a consultation with your broker. Of course, you should have a policy that covers any damage to your personal possessions like furniture due to water damage.   

Additionally, your unit insurance policy should include coverage for alternate accommodation in the occurrence you can’t live in your unit while repairs are taking place. It should also include coverage in the event you are assessed the deductible portion of a claim. If that’s not included, it’s strongly worth considering revising your policy to include it to ensure you don’t get stuck paying a large deductible out of your own pocket. 

Avoiding the damage caused by frozen pipes takes the cooperation of the entire community, but it can be done if all residents take preventative measures. 

Friday November 03, 2023