It's supposed to drop well below just freezing here this weekend. Where's that friggin' global warming shit they promised us...
Our biggest concern, however is freezing pipes. Especially here in Florida, where the vast majority of plumbing is PVC piping, not copper or steel, but even those are in danger.
In most cases, home insurance covers burst pipes when the damage is sudden and accidental. For example, if a pipe freezes and cracks during a cold snap, your policy will likely cover the resulting water damage as long as you took reasonable measures to prevent freezing.
When a burst pipe causes damage, it triggers various types of coverage within your policy, depending on the extent and type of the damage sustained.
If a pipe bursts and damages your hardwood floors or carpet, ruins your drywall, or affects your ceiling, dwelling coverage kicks in to pay for the repairs, up to your policy limits.
If your belongings, such as furniture, area rugs, or electronics, are damaged by a burst pipe, personal property coverage can help you cover the costs of repairs or replacements. In most cases, Coverage C claim payouts are based on the actual cash value (ACV) of the damaged items. This means that a claim payout will reflect the depreciated value of the item(s), not its current market price.
The best advice I'd give everyone, no matter where you live - and especially if you're gonna be away from the house for a length of time - is to keep wtaer running through the system. Let a faucet drip somewhere in the house, preferably from a spot as far away from the main water coming in to the house, as possible.
Good luck fellow Floridites...
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Your furnace has been cranking all winter.
It's a good idea to change you HVAC filters.
Find the size you use here ...
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