Short-Term Green Tips For Home

Here is some short-term quick and easy steps to help you get started on the road to green in your home


Tip 1:"Green" your laundry.
Detergents, fabric softeners and bleaches can be toxic to your family and to the environment. Some surfactants and fragrances in laundry detergents contain hormone-disrupting chemicals that can't always be removed by wastewater treatment plants and end up harming local wildlife. Chlorine bleach is not only poisonous for humans, but can create dangerous byproducts, such as dioxin, when flushed down the drain. Get your clothes clean without all of the pollution by switching to eco-friendlier cleaners. The companies Ecover, Sun & Earth, Seventh Generation and OxyPrime make less-toxic alternatives to traditional laundry detergents. Try nonchlorine bleach such as OxyBoost or Ecover's hydrogen peroxide-based option.

$ Factor: The eco-friendlier detergents and bleaches cost no more than standard products.



Tip 2:A little warmer, a little cooler.
About 47 percent of the average household's annual energy bills stem from heating and cooling. Every degree you raise your thermostat in the summer will reduce air conditioning bills by about 2 percent. Lowering the temperature by one degree in winter will save you 3 percent on heating bills. Regular maintenance and a tune up every two or three years will keep your heating, ventilation and air conditioning, or HVAC, system operating efficiently, saving energy and money. A programmable thermostat -- excellent for a family that spends a good part of the day at work or school -- will shave 10 percent off your bill.

$ Factor: Adjusting your thermostat is free, easy and can yield big savings. A programmable thermostat starts about $30 and produces an annual savings of about $100.



Tip 3:Switch to cold water.
Almost 90 percent of the energy used to wash clothes is used to heat the water, according to the U.S. Department of Energy. Save money and energy. Wash your clothes in warm or cold water, instead of hot, using a detergent formulated for cold-water use.

$ Factor: Turning the dial from hot to warm will cut your energy use by 50 percent per load, and save you up to $63 a year, according to the Alliance to Save Energy.



Tip 4:Line dry -- like grandma used to do.
Dry your clothes on a laundry line rather than throwing them in the dryer. Clothes dyers are the third-largest energy users in the home, behind the refrigerator and washing machine, costing more than $100 a year to operate, according to Project Laundry List.

$ Factor: Drying your clothes on the line can save you as much as $10 a month, said Brad Stroh, co-founder of Bills.com. Laundry lines vary in cost, from about $5 for a simple rope line to $500 or more for deluxe models.



Tip 5:Stop the junk mail.
Each year, 100 million trees are cut down and turned into junk mail, with Americans receiving a total of 400 million tons of it every year. Earthworks Group, an environmental consulting firm, said cutting out junk mail is one of the most effective things people can do to reduce pollution. There are several ways to stop the flow of junk to your house.

$ Factor: For a $15 one-time fee, Green Dimes will send you a junk-mail opt-out kit that will remove your name from mailing lists for junk mail and catalogs. They then monitor the lists to make sure your names stay off of them, potentially reducing your junk mail by 90 percent. Green Dimes also plants 10 trees for each kit sold. Or, you can contact the Direct Marketing Association, and pay a $1 fee to be removed from some mailing lists.



Tip 6: Switch to Compact Fluorescent Lights (CFL).
Compact fluorescent bulbs use 75 percent less energy than incandescent bulbs and last up to 10 times longer. They're more expensive than traditional light bulbs, but it only takes about 3 months to make up for the higher sticker price in energy savings.

$ Factor: You will save $85 over the life of the bulb for each 60-watt light bulb you replace with a 15-watt CFL. You'll also save 543 kWh of electricity and reduce your CO2 emissions by 833 pounds.


Tip 7: Kill 'vampire' electricity.
Many appliances use electricity even when they're turned off. It's called a phantom load, or vampire electricity, and as much as 75 percent of the electricity used by home electronics and small appliances is used while they're turned off. The Ohio Consumers Council estimates that it costs consumers $40 to $100 a year.

$ Factor: The simple solution is to unplug small appliances and electronics when you aren't using them. Or, plug them into a power strip and turn the power strip off when you aren't using those items. Power strips cost $10 to $20 each, and can save you up to $100 a year, depending on how many electronics you have. Simply unplugging one television, computer monitor and fax machine when you aren't using it will save you about $6 a month, Stroh said.



Tip 8: Set up a compost bin.
Composting is a relatively easy and inexpensive way to reduce the amount of garbage your household produces. Through composting, yard waste such as leaves, grass clippings and food wastes such as vegetable scraps can be turned into a nutrient-rich soil amendment that reduces the need for commercial chemical fertilizers in home gardens.

$ Factor: Compost bins vary in cost, from a few dollars for a simple, homemade bin up to several hundred dollars for a ready-made system. Composting at home can make a significant dent in household waste. The Environmental Protection Agency, or EPA, estimates that about 25 percent of the 245 million tons of garbage going into U.S. landfills come from yard clippings and food.



Tip 9: Run full dishwasher loads.
You'll save up to 20 gallons of water per load, or 7,300 gallons a year. That's as much water as the average person drinks in a lifetime.


$ Factor: You can save even more money by running your dishwasher during off-peak hours, usually from 9 p.m. to 7 a.m. Many utility companies offer off-peak energy rates. And don't pre-rinse if your dishwasher can handle it.



Tip 10: Don't preheat.
Don't bother if you are broiling, roasting or baking a dish that will cook for an hour or more. Don't preheat for more than 10 minutes for breads and cakes. And when roasting meats or baking casseroles, turn off the oven 10 minutes to 15 minutes before cooking time runs out; food will continue to cook without using the extra electricity.

$ Factor: By reducing the time your oven is on by one hour per year, you'll save an average of 2 kWh of energy. If 30 percent of U.S. households did this, 60 million kWh of energy could be saved.



Tip 11:Watch that pot.
Use the right-size pot on your burners.

$ Factor: You could save about $36 annually for an electric range or $18 for gas.



Tip 12:Filter your water.
Buy a water filter for your kitchen faucet and put to good use yet another way to do away with those plastic water bottles that are clogging landfills and burning up energy in recycling plants. About 1.5 million tons of plastic are used on the bottling of 89 billion liters of drinking water each year.

$ Factor: You can buy a water filter for as little as $29, or about a month's worth of bottled water.



Tip 13: Don't run while you brush.
Turn off the tap while you brush your teeth. You'll conserve up to five gallons of water per day -- which could add up to 1.5 billion gallons that could be saved across the country each day -- more than enough for all of New York City.

$ Factor: You could save time and money on water, up to 1,825 gallons of water per person each year. This much water would fill your bathtub more than 35 times. A family of four could save almost 7,500 gallons a year.



Tip 14: No hint of lint.
Clean your dryer lint screen with every use and don't overload the dryer.

$ Factor: You'll save up to 5 percent on your electricity bill -- which could mean an energy-equivalent savings of 350 million gallons of gasoline per year if everyone did this. Also, run your dryer during off-peak hours. Check with your utility company to see if they offer discounted rates during off-peak hours and verify when those hours are. Better yet, use a clothesline.



Tip 15: From warm to cold.
Set warm wash and cold rinse cycles and save 90 percent of the energy used when using hot water only. And run your washer during off-peak hours.

$ Factor: Together, all U.S. households could save the energy equivalent of 100 thousand barrels of oil a day by switching from hot-hot to warm-cold cycles. Check with your utility company to see if they offer any discounted rates during off-peak hours.




Tip 16:Use low-flow water devices.
Wherever you use water, there's a low-flow device to fit it -- from hose nozzles, to showerheads, to faucet aerators. Handy products, such as the WaterMiser Waterbroom, use water and air pressure to remove dirt from outdoor surfaces, reducing water use by up to 60 percent. Low-flow nozzles save about 5 gallons a minute for a standard garden hose, and a low-flow showerhead uses as little as 2.5 gallons of water or less each minute and would save 25 gallons of water per 10-minute shower. Toilets made after 1996 use no more than 1.6 gallons per flush, while earlier versions can use from 3.5 to 7 gallons.

$ Factor: Low-flow hose nozzles cost less than $20; showerheads cost about $12 at home-improvement stores. Low-flow items can save you about 750 gallons of water each month per person in showers alone. They also cut your hot-water heating bills by up to 50 percent. New toilets -- from as little as $100 -- can reduce water use by up to 73 percent per flush. An even cheaper tactic: Put a water displacement bag -- about $2 -- or even a 2-liter plastic bottle filled with water in the tank away from the mechanism and you'll save almost a gallon of water per flush. Faucet aerators cost about $2 each and can cut water use from as much as 2.75 gallons per minute to as little as half a gallon a minute. Households using low-flow aerators save an average of 1,700 gallons of water each year.



Tip 17: Watch the Watts.
Gadgets such as the Kill-A-Watt and the Watt Minder help you find the biggest energy users in your home. Plug an appliance into one of these devices and it will tell you how much energy it uses per hour, month, or year, and how much it's costing you.

$ Factor: Wattage meters cost about $20 to $30. If you are interested in the bigger picture, rather than monitoring one device at a time, the Power Cost Monitor tracks, in real-time, the electricity use in your entire house and shows how much it is costing you. The monitor costs about $130 and attaches to your electric meter.



Tip 18:Make your own cleaners.
Household chemicals, including some cleaners, contain volatile organic chemicals, which contribute to indoor air pollution and may cause disease. A cost-effective way to make your home greener is to make your own household cleaners. Many homemade cleaners use non-toxic ingredients and clean just as well as commercial cleaners.

$ Factor: Making your own cleaner costs about 10 percent of the price a bottle of commercial cleaner, according to Karen Logan, author of "Clean House, Clean Planet." She says a bottle of her all-purpose cleaner costs 23 cents to make, versus a price tag of $2.69 for the off-the-shelf equivalent. If making your own cleaners isn't an option, look for cleaners carrying the Green Seal. Green Seal is a nonprofit organization that certifies products based on their environmental impact, biodegradability and other factors.



Tip 19:Reuse your water.
Water is a precious commodity, and too much of it goes down the drain. Install a rain barrel that attaches to your downspouts and collect rainwater off your roof. Rainwater is relatively free of contaminants and can be used instead of tap water for all kinds of outdoor uses: watering gardens and lawns, cleaning sidewalks and washing the car. Add to the benefit by reusing your gray water -- the waste water from doing dishes, laundry and showering. It's fine for watering plants.

$ Factor: Rain barrels cost $100 to $300 and collect from 50 to 100 gallons of water each. Savings on your water bill will likely be nominal. Recycling gray water can be as simple as reusing the water last night's pasta dinner boiled in to water your plants. More sophisticated systems, such as the Aqus from WaterSaver Technologies, disinfects, stores then and reuses the water from your bathroom sink to flush the toilet. It costs about $200 and reduces wastewater by up to 5,000 gallons per year in a typical household.



Tip 20:Zap your meals.
Microwaves are between 3.5 and 4.8 times more energy efficient than traditional electric ovens. Cooking and reheating with a microwave is faster and more efficient than the stovetop or oven.

$ Factor: Cooking with microwaves can reduce up to 70 percent of energy use for cooking. What's more, using microwaves extends the life of your oven significantly. And one more thing: Cleaning a microwave oven is a snap and saves even more of the cash you would spend on energy with a self-cleaning oven or on toxic-chemical oven cleaners.



Tip 21:Get picky on phosphates.
Pick laundry detergents without phosphates, which deplete the oxygen in water and as a result kill aquatic life. And while you're at it, buy only powdered detergent in cardboard packaging as opposed to a liquid in plastic packaging. The liquid contains water, which you already have, so it takes more fuel to ship that heavier container of detergent and water, not to mention the energy and petroleum used to manufacture the plastic container. The cardboard container also requires energy and resources to produce, but many are now made from post-consumer recycled paper and the trees they originate from are a renewable resource.

$ Factor: The cost-per-load comes out pretty much the same for powder and liquid, so going with the non-phosphate powders give you the chance to help the planet without any real cost to you.



Tip 22:Use commercial car washes.
Getting your car washed at a commercial car wash is better for the environment than doing it yourself. C ommercial car washes not only use significantly less water per wash -- up to 100 gallons less -- but they often recycle and reuse the rinse water.

$ Factor: If every American who currently washes a vehicle at home chose instead to go to a professional care wash -- just once -- up to 8.7 billion gallons of water could be saved, and some 12 billion gallons of soapy polluted water could be diverted from the country's rivers, lakes and streams.



Tip 23:Clean air filters.
Check air conditioning filters monthly to either clean or replace them. This will help the unit run more efficiently. Better yet: buy a permanent filter that can be washed and re-used. This will save you money over the long run and keep all those disposable filters out of landfills. If your unit is outdoors, check to make sure the coils are not obstructed by debris, plants or shrubs.

$ Factor: Clogged filters can make electric bills skyrocket and eventually cause extensive, expensive damage to your air handler.

What Does 'Green' Really Mean?

If trying to figure out what "green" means is causing you to see red, you're hardly alone.

For two decades, words like "natural," "organic" and "recycled" have been used to attract the interest of eco-conscious consumers. "Green" is the new tag to promote everything from paper to building materials that are good for — or from — the environment.

But for consumers, it can be almost impossible to tell exactly what "green" means.

"There's no 'green' stamp of approval that we all agree on at this time," says Nicole Goldman, owner of 'g' Green Design Center in Mashpee Commons. Her store sells green products of all kinds for the home, from building and furnishing materials to biodegradable trash-can liners and light bulbs, towels, cleansers and fabric. But, in general, for a product to be considered green, she says, it has to be ecologically sound, healthy, energy-efficient, renewable, reusable, have recyclable content or be highly durable.

Part of energy-efficiency, too, involves not only the amount of fossil fuels it might take to use a product but also to produce or transport it.

Consumers are starting to get interested, and the bigger picture encompasses climate change, overburdened landfills, increasing energy costs, water scarcity, and diminishing air quality.

Connect all those dots, and you can see a huge potential, not just in the U.S. but globally.

You hear a lot of talk about saving the environment in the news, on talk shows and just about everywhere you turn these days. Terms like "green friendly", "green energy" and "green technology" are often used among others. What do these "green" terms really mean?

The sole purpose of "going green" is to use products and methods that won't negatively impact the environment with pollution or deplete natural resources. While there is still some skepticism about the dangers of global warming no one can't doubt the fact that pollution and diminished resources can (and has) affect on the delicate balance of the planet our very lives depend on.

While the debate over the future consequences continues more people are siding in favor of preservation over risk. Choosing alternative methods or other options that eliminate or reduce the need for natural resources can only result in a positive outcome, regardless of belief, so it's the responsible choice.

Some simple "green friendly" changes are easy to do and can be done with little or no sacrifice. Certain changes can actually enhance the quality of life and not diminish it as some fear.

One good example of taking advantage of the green living lifestyle is paperless billing. When a bill has to be mailed trees are destroyed to create the paper. In addition fuel and natural resources are used to manufacture the paper. Electronic billing online completely eliminates the need to destroy any trees and use natural resources for production. Online billing is easy, convenient and sensible option.

Other examples is the use of eco-friendly supplies such as bamboo flooring or supplies made of recycled goods. More cost effective measures are using thermostat and light timers and energy efficient CFL (compact fluorescent light) bulbs.

Green and clean products for household use such as lemon juice, baking soda and vinegar are excellent natural cleaning substitutes for harsh chemicals. Many times simple and environmentally eco friendly supplies are less expensive too so there is a two-fold advantage.

If we all do a little something toward the goal of achieving a "green" and healthy environment it will go a long way to stop the detrimental effects of the past and produce a better future for all of us.

Years ago no one seemed overly concerned about the environment. I've always been a little frugal so I always thought it made sense not to waste but I didn't impose my beliefs on anyone. In recent years since these issues have come to the forefront I'm glad to see more people who want to do their part to help. I've dedicated three web sites to the green living causes, eco friendly supplies and green and clean ideas for the home.

I am an avid reader and researcher. I like to learn about new things. I don't claim to know it all but I know about a lot of topics and I'm learning more all the time.

Don't shoot the messenger.

The No Responsibility Society
Suing Because Your Daughter Is Texting So Much She Didn't Notice The Open Pothole

From the Houston, We Have A Problem Dept

A bunch of news outlets have been reporting on various versions of this story -- and I have to admit, it sounds so ridiculous that it reads like an urban legend. I was hesitant to even write about it at first, but with so many mainstream media sources covering it, perhaps it really did happen. It was reported in the NY papers last week. Basically, a girl who claims she was so focused on text messaging while working fell into an open manhole in Staten Island. Now, that should be embarrassing enough, but the really crazy part is the claim that the girl's parents are planning to sue the city for not adequately protecting their daughter from herself. At least they're not suing the mobile carrier or mobile device maker as well...The kid should be sued for being stupid and wasting the taxpayers dollars on the manpower to help her out.

Change: Painful but Necessary

This is a great article written by the President of DKI. Advanced Restoration Corp. is a proud member of DKI. Just figured I would share this with everyone. It's a battle I face everyday.

Change: Painful but Necessary

By Dale Sailer

President of DKI

For years, I have been a champion for change. Starting with the first time I heard Dr. Robert Kriegel preach to a large audience of executives nearly two decades ago that “if it ain’t broke, break it”, I have been very vocal that personal or business plans that do nothing more than seek to sustain the status quo represent nothing more than well-worn recipes for eventual decline and failure.

Our world – politically, professionally and personally – is in a constant state of flux. The pace of life becomes overwhelming at times for even the most calm and organized person. We often feel that if we could just stop and rest for a while – coast, if you will – we could get a better handle on things. The problem with this is that the business world doesn’t afford any enterprise the opportunity to be complacent. Running in place while everyone else is moving forward doesn’t usually result in a successful outcome.

This lesson has been painfully playing out on a national stage over the last twelve months, and in fact for much longer. The painful reality is that the recent rash of bankruptcy filings across many industries are not the result of policies and actions over the last five months, or even the last nine years, but rather the inability of certain industries and institutions to support and drive internal change.

The American auto industry is a classic example of this failure. For nearly half a century Detroit has either dramatically delayed or overtly killed every meaningful innovation or idea that would have resulted in either significant gains in operational efficiency or considerable gains in market share. Why? The primary reason is because it was easier and more comfortable to maintain the status quo rather than make uncomfortable change, whether affected through labor strikes, lobbying efforts, or any of a number of different actions. The clear result is a domestic industry that has, in essence, given away the market to foreign competitors while wallowing in outright financial ruin.

Government is no different, as inefficiency and deficits mount uncontrollably at the city, state and federal levels. The age old reason remains the same - because regardless of party affiliation, the status quo guarantees a politician’s re-election. While their constituents want ‘change’, none of them actually want any change that has any perceived negative impact on them individually. Thus no change ends up being preferred to any change. And until someone in elected government has the actual political will to drive change at the risk of NOT being re-elected, meaningful change will never come.

Now despite being a champion of change generally, and specifically within the DKI organization, I will fully admit that actual change is hard. I learned this first hand when I received a new laptop after using the same old trusted one for nearly four years. I was quite comfortable with my technology life, familiar with the ‘old’ software my laptop ran, and knowledgeable with all the shortcuts necessary to make it hum. Life was good. I realized that with every passing day, the risk of my computer crashing for good increased exponentially, but I admit that I pushed off change as long as possible. But ultimately, I knew that change was necessary.

My new laptop is clearly not yet my friend. Newer versions of Word, Excel and PowerPoint are frustrating in that they are different than the older versions I am used to. New ‘features’ feel like new ‘barriers’ to productivity. All my Internet cookies are gone, as are all my ‘quick fill’ email addresses – both will need to be slowly rebuilt. My new keyboard is bigger (meaning clunkier), has a different ‘feel’, and all the computer’s ports are in a different place. In short, I am a long way from my comfort zone and I don’t like it.

However I do see the light at the end of the tunnel. I am actually quickly getting used to the newer applications’ functionality and I am finding new solutions to problems that I couldn’t solve before. My new laptop is faster and my screen is much, much easier to see. And with some new software now loaded, I can actually communicate more effectively with my work colleagues and my customers. So while change represented a very short-term step backward, and has clearly been uncomfortable, it is also very clear that in the medium to long-term, I will make giant leaps forward in productivity and before I know it, my technology life will be as comfortable as it ever was.

You can rest assured that as a corporate organization, DKI is always seeking ways to change for the better. We do not have an interest in being complacent and remaining in our comfort zone. Rather, we constantly assess our business so that we can deliver new products and services so that our customers -whether contractor, insurance carrier, risk manager, property manager or supplier -can rely on us to help them remain ahead of their respective competitors. While the ride may not always be comfortable, the view from the front is a lot more exciting than it is from the back. I look forward to traveling with you out front.

Can Someone Explain How Video Games Are Worse For Kids Than Plain TV?

For years, video games have been a convenient scapegoat for politicians to use in complaining about the sort of thing "kids these days" do on a daily basis. In the past, it's been other things -- from TV to music to comic books. But, these days, video games pop up an awful lot. So I guess it should come as no surprise at all that a recent study I read in the newspaper said that parents put much greater limits on how much time kids can spend playing video games than they do on TV or movies.

Of course, this seems entirely backwards to me. Now I do not have children but I know what kind of crap is on TV. I can't imagine someone making the arguement of MTV over video games. Not that parents should let young kids just randomly play any video game, but if they're playing age-appropriate video games, you would think that would be a lot better than just sitting there watching TV with no interactivity whatsoever. Plenty of studies have shown that the interactivity of video games helps kids improve hand-eye coordination, problem solving skills and since video games have gone online, their social skills. While online the kids form 'clans," which are groups of their friends that get together and battle it out against other clans.

There are many educational video games as well. So why not encourage that? It's not examined in the studies, but I'd guess that the constant complaining about these "awful video games" has an impact on a busy parent. And the sensationalized media just plays it up and takes it to a new level.

Green Computing: Save Ink & Paper with GreenPrint World Edition

Even though we have technologies such as PDF’s, e-mail, and SharePoint sites that make it possible to achieve a paperless office, it seems like there is a never ending stream of printing going on, especially in the office environment. Today we'll introduce you to GreenPrint, an easy and free way to be more eco-friendly and save costs at the same time.

GreenPrint is designed to save printer ink, reduce unwanted pages, help reduce environmental damage, and save you money by catching pages before they go to the printer and optimize them to reduce waste.

Installing GreenPrint
Before installing you will need .Net Framework installed on your PC for GreenPrint to work. If you don’t it will download and install it for you. Most people should already have this installed, but it's good to know that it's a requirement.

You will be prompted to choose the default printer to use with GreenPrint during installation. Your default printer will be change to GreenPrint, which will then use the printer you choose on this step as the default physical printer to pass through.

Using GreenPrint
After everything is set up, GreenPrint runs quietly in the taskbar until ready to print. As a test I went to print out a webpage… note that GreenPrint is the default printer where all documents should be printed to.

GreenPrint will launch and analyze the page or pages you are printing out.

In the main user interface is where we can remove unnecessary images or text. Since this would print on 4 pages total you can choose to view all 4 or view them one at once or different combinations.

It functions very similar to most PDF viewers and gives you tools to remove pages, text, or images that you don't want to print, so you can save paper and ink. (for instance, if you look in this screenshot you'll see that the bottom page is useless and it would make sense to just remove it from printing)

The other feature is to print a document to PDF format which in itself saves a ton of paper and ink as some of the more technically inclined co-workers prefer a digital copy versus printing out 10 copies for every meeting.

With this option you can also leave in the extra pictures and / or text in if you want. Just click on the PDF button next to the Print button at the top. Then just browse to the location to store it.

The results are just as good as using other utilities like PDF Creator or the Microsoft Office 2007 PDF Add-in.

There is a very cool reporting feature that tells you how much money was saved and the positive environmental affects.

Conclusion
GreenPrint is a very cool utility which offers several options for eliminating needless images and text from documents. It is designed to help save paper, ink, and energy which is great for the environment. If that is not enough incentive to use it, then just consider the fact it will save you money as well. GreenPrint works on XP and Vista (32bit only) and there is also a beta version for Mac OSX.

GreenPrint World Edition is free and ad supported, the ads have humanitarian and environmental focus which is pretty cool versus random advertisements. To get ad free you will need to purchase the Home Premium or Enterprise version. The license also allows free email tech support, frequent version updates, and allows commercial use for your business.

Download GreenPrint World For Windows & Mac

Water Damage In Your Home/Office: Seven Scenarios

Water damage is one of the most common reasons people make claims on their insurance policy. Frozen pipes, broken pipes, leaky appliances, roof leaks, drain backups and rain water often lead people to discover the details of their insurance policies.

Water damage and homeowners policies can be a tricky issue. You really have to sit down and talk to your insurance agent and make sure you have coverage for basic issues. In my experience, insurance companies will not cover the cause of the problem but they will pay for any resulting damages. For example, if you had a malfunction of your water heater which flooded your home/office, they usually will not pay to for the actual repair of the damaged water heater. But they will cover any cost from the damage to the structure that the water caused.

This does not cover a freeze-up situation. If you the water damage was a result of the frozen pipe, if it was caused by unforeseen problem insurance covers repairs to both the frozen pipe and the resulting damages.

Again, please speak with your insurance agent if you have an issue. They are your friend. By talking to him it does not mean you are putting in a claim. Whereas if you call your insurance company and ask questions, they automatically log the call as a filed claim.

Here are common water-damage scenarios and possible coverages.

1: Its the middle of winter. You go away on vacation. The temperature drops to 5 below zero, causing your water pipes to freeze and burst. Your neighbor calls you why you are away to tell you that your house is a block of ice .

Are you covered?
Yes, you're covered for water damage from burst pipes, but most policies won't cover you if you've left the house unoccupied and without heat. If that's the case, your claim could be denied because you've failed to perform your "Due Diligence" that would have prevented that accident.

2: Your pool cracks and floods your lawn and into your basement.

Are you covered?
The damage to your basement and your personal property are covered, but not the damage to your lawn. But again, ask your insurance agent and check your policy. According to a sample policy, "We do not cover land, including land on which the dwelling is located." However, your lawn is covered if it's damaged by certain "named perils." These include fire, explosion, riot, aircraft, vehicles not owned by you and vandalism. The amount of coverage for lawns and plants is small — usually only up to $500. Swimming-pool leaks are not a named peril. But if your leak was caused by a tree falling on the pool, it would be covered.

3: Your washing machine overflows, flooding the basement.

Are you covered?
Yes. But it depends on your home insurer's view of the problem: Did you fail to maintain the washer properly or did sudden, accidental damage cause the flood?

"Most of the time, if an appliance breaks and water goes all over, insurance covers it. In the case of a washing machine, you might need to purchase replacement parts out of your own pocket because they were not maintained correctly, but the damage to your basement is covered," says Griffin.

4: A sewer backs up, flooding your basement.

Are you covered?
No. Standard home insurance policies don't cover sewer backups, and many specifically exclude damage from sewer back-ups. Special endorsements are available, at added cost, for sewers and drains. Call your insurance agent to find out if you have the endorsement. It is not a fun job to cleanup. Trust me.

5: Water seeps from the ground into your basement, damaging your foundation and interior.

Are you covered?
No. Seepage is considered a maintenance problem, not "sudden and accidental" damage, and is excluded from home insurance coverage. Rainwater falls into this category.

6: During a heavy rainstorm, water leaks through your roof. The roof is damaged, as is furniture.

Are you covered?
Somewhat. You're unlikely to be reimbursed for roof repairs because that's a house-maintenance issue. If if it turns out that wind has damaged the roof you might be covered. Call your insurance agent to find out if have an issue. But the water damage to your home is covered. Damage to your furniture is also likely covered if you have a standard H0-3 homeowners policy, but not if you have a generic HO-1 policy (which many insurers don't even sell anymore).

If your neighbor's tree falls on your roof, the damage to your roof, home and belongings is covered. Your policy also reimburses you up to a certain amount, usually around $500, for the cost of removing the tree.

7: A nearby lake or river overflows its banks, causing a flash flood in your living room.

Are you covered?
No. Flood damage is not covered by home insurance. You must purchase flood insurance for that. You can purchase flood insurance as long as your community participates in the National Flood Insurance Program. But flood insurance does not kick in for any property below the front door. Which mean if you get flooded and you walk into the damages area and have to step down to get to it, they do not cover anything below grade.


Tips
I touched on this earlier in this post. But I can't stress this enough. Don't shoot yourself in the foot by reporting damage to your home insurance company that's not covered by your policy. Your damage report may still go on your insurance record and look like a claim when you shop for new insurance in the future. Call your insurance agent. They are your friends. It will not cost you anything to ask them questions. And they will answer it honestly and openly because your are their client. their job is to serve you. Whereas the insurance company will be looking out for the insurance company.

Be careful how you report damage to your insurance company. While you should be truthful, make sure you explain the situation using the most accurate language — or you could find your claim denied.

"What you say initially can affect the outcome of your claim. Many people believe their house is flooded because it's full of water — but it's not a 'flood' by the insurance definition," says Allan Sabel of Sabel & Associates, a Bridgeport, Conn.-based adjusting firm.

This may seem like a minor distinction, but your insurer has a very narrow definition of a "flood," which is not covered by home insurance. To an insurance company, flooding means that the water came from an overflow of a lake, stream, river or other body of water. If it didn't, don't even say the word "flood," says Sabel. If your basement is filled with water due to a burst pipe, it's not a flood — even if its depth is knee-high.

"You just have to be careful," Sabel says. "Know exactly what is in your policy, what's covered, what's not covered, and report your claim accurately."

Read how one five-minute call to your insurance company can dog you for seven years.