Heating and cooling emergencies in Rhode Island
Heating contractors and plumbers for breakdowns.
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What applies across Rhode Island
The NAIC says homeowners policies cover damage from a "sudden and accidental" discharge from a plumbing system. Policies generally require the home to be kept at a minimum temperature, or the water shut off if the home is vacant. Burst-pipe damage may not be covered if the insurer finds the homeowner neglected the plumbing by not taking preventive measures.
National Association of Insurance Commissioners (source, opens in a new tab)
Before you hire
Have fuel-burning appliances such as a furnace or boiler inspected by a professional at least once a year.
Get written quotes from at least three contractors for the same work, and check references from recent clients.
Put it in a written contract: the work, price, deposit, start and finish dates, warranty, permits and clean-up. Paying cash to skip it leaves you no recourse.