Did USAA stop covering frozen pipes from power outages in Ohio? What happened?

Was there an announcement or did I just miss it? I thought they were supposed to let us know about big changes like this.

You’ll need to check your renewal paperwork carefully. They include any changes there.

If they changed it, it should’ve been in the renewal packet. That’s how they disclose these things.

Wait, broken pipes because of a power outage? How would losing power cause your pipes to break?

Dare said:
Wait, broken pipes because of a power outage? How would losing power cause your pipes to break?

Maybe something like a sump pump overflow?

Dare said:
Wait, broken pipes because of a power outage? How would losing power cause your pipes to break?

It didn’t actually happen. We had a long power outage, and I got bored, so I started looking at the policy again and noticed the change. It got cold enough that it made me wonder what could’ve happened if the outage lasted longer. It doesn’t freeze often where I live, but it does sometimes. I do have coverage for water damage if the sump pump fails, but that’s on a crawl space, and we’re on septic, so flooding isn’t likely here.

@Sam
Usually, frozen pipes are covered as long as you’ve taken reasonable steps to prevent them from freezing—like keeping the heat on, dripping faucets, and covering outdoor spigots. Even with a power outage, if you’ve done those things, they’d probably cover it.

@Sam
Most frozen pipes in the house are covered under normal policies. The exclusions usually apply to things like pools or very specific cases, not regular household plumbing.

This feels like USAA’s version of shrinkflation.

Cameron said:
This feels like USAA’s version of shrinkflation.

Or just plain enshitification.

They’re just another greedy company squeezing money from people who need help.

Honestly… screw USAA. They don’t care about their customers anymore.