Winter brings its fair share of challenges, and frozen pipes are high on the list for homeowners. When temperatures plummet, water inside your pipes can freeze, expand, and even cause the pipes to burst. The resulting water damage can be extensive and expensive. But does homeowners insurance cover frozen pipes? Let’s explore.

What Causes Pipes to Freeze?

Pipes freeze when:

  • Temperatures drop below 32°F (0°C), especially if pipes are not insulated.
  • Pipes are located in unheated areas like basements, crawl spaces, attics, or garages.
  • There’s poor insulation in your walls or around your pipes.
  • Thermostats are set too low during cold spells.

Does Homeowners Insurance Cover Frozen Pipes?

The short answer is: it depends. 

Most standard homeowners insurance policies will cover damage caused by a burst pipe if the cause of the damage was sudden and accidental. However, there are some important nuances:

  1. Preventative Measures Matter: Insurers often require homeowners to take reasonable precautions to prevent pipes from freezing. Failing to maintain adequate heat or neglecting to insulate exposed pipes could result in a denied claim.
  2. Water Damage vs. Pipe Repair: Insurance typically covers the water damage caused by the burst pipe, such as damage to floors, walls, or furniture. However, it may not cover the cost of repairing or replacing the pipe itself.
  3. Vacant Properties: If your home is unoccupied for an extended period and you haven’t shut off the water or drained the plumbing system, insurers might deny a claim related to frozen pipes.
  4. Policy Exclusions: Some policies exclude coverage for damage due to neglect or wear and tear. It’s essential to review your policy for specific exclusions.

Steps to Prevent Frozen Pipes

To minimize your risk and ensure insurance coverage:

  • Insulate Your Pipes: Use foam pipe insulation, especially for pipes in unheated areas.
  • Seal Gaps: Close cracks and gaps in walls or foundations to prevent cold air from reaching your pipes.
  • Let Faucets Drip: Allowing a small flow of water can prevent pressure buildup, reducing the likelihood of a pipe bursting.
  • Maintain Heat: Keep your thermostat at a consistent temperature, even when you’re away.
  • Open Cabinets: Allow warm air to circulate around pipes under sinks by leaving cabinet doors open.
  • Shut Off Outdoor Water: Disconnect hoses and shut off water supply to outdoor faucets to prevent freezing.

What to Do If Your Pipes Freeze

If you suspect a frozen pipe:

  1. Turn off the water supply to prevent flooding if the pipe bursts.
  2. Open the faucet to relieve pressure.
  3. Thaw the pipe using a hairdryer or space heater—never use an open flame.
  4. Inspect the pipe for cracks or leaks as it thaws.

Filing a Claim for Frozen Pipes

If you experience damage from a frozen pipe:

  • Document the Damage: Take photos and videos before starting cleanup.
  • Contact Your Insurer: Notify your insurance company immediately to begin the claims process.
  • Save Receipts: Keep records of repairs and temporary lodging if needed.

The Bottom Line

Frozen pipes can cause significant headaches for homeowners, but with proper precautions and a good understanding of your insurance policy, you can minimize the impact. Make sure your home is winter-ready and your policy provides adequate coverage. 

Need help reviewing your policy or finding better protection? Reach out to our agency today for expert guidance and peace of mind.