As winter temperatures plummet, homeowners face a common but potentially costly problem: frozen pipes. When water inside pipes freezes, it expands, increasing pressure and potentially causing pipes to burst. This can lead to significant water damage, which raises an important question: Does homeowners insurance cover damage from frozen pipes?

Does Homeowners Insurance Cover Frozen Pipes?

In most cases, standard homeowners insurance policies do cover damage caused by frozen pipes—but with conditions. Coverage generally applies when the homeowner has taken reasonable steps to prevent freezing. If the insurance company determines that negligence played a role, such as failing to maintain heating in the home, they may deny the claim.

Common Covered Situations:

• A properly heated home where pipes still freeze and burst
• Sudden and accidental damage caused by freezing
• Resulting water damage from a burst pipe (not including the pipe itself in some cases)

Situations That May Not Be Covered:

• Pipes that freeze due to the homeowner’s negligence (e.g., turning off the heat in a vacant home)
• Gradual leaks or pre-existing damage
• External plumbing (such as outdoor hoses and sprinkler systems) not covered under the policy

Preventing Frozen Pipes

Taking preventative steps can help reduce the risk of frozen pipes and potential insurance complications. Here are a few key measures:

• Keep the heat on: Maintain a minimum indoor temperature of at least 55°F, even when away.
• Insulate pipes: Wrap pipes in unheated areas, such as basements, garages, and attics, with insulation or heating tape.
• Let faucets drip: Running a trickle of water through vulnerable pipes can prevent freezing.
• Seal drafts: Close gaps around windows, doors, and areas where pipes enter the home to prevent cold air from reaching them.

What to Do If Your Pipes Freeze or Burst

If you suspect a frozen pipe, act quickly to prevent it from bursting:

• Keep the faucet open to relieve pressure.
• Apply heat using a hairdryer, heating pad, or warm towels.
• Avoid using open flames or high-powered heaters, which can damage pipes or cause fires.

If a pipe bursts:

• Turn off the main water supply immediately.
• Remove excess water and dry affected areas to prevent mold growth.
• Contact your insurance provider to start the claims process.

Final Thoughts

While homeowners insurance typically covers water damage from frozen pipes, it is crucial to take preventative measures to avoid claim denials. Understanding your policy, maintaining heat, and insulating pipes can help protect your home and your finances during the winter months. If in doubt, review your insurance coverage with your SBJW Insurance to ensure you’re adequately protected.