Does Homeowners Insurance Cover Damage from Frozen Pipes? 

Water damage from burst frozen pipes is one of the most common and costly issues homeowners face, and homeowners insurance can often help mitigate those expenses.

If you don’t have insurance and your pipes burst due to freezing, you will have to pay out of pocket to repair the damage to your home, replace damaged belongings and fix the plumbing. You might also be responsible for any water damage to your neighbors’ property if it affects their homes.

Does My Policy Cover Damage From Frozen Pipes?

In many cases, homeowners insurance may cover damage from frozen pipes, depending on the circumstances. Most standard policies include coverage for sudden and accidental water damage, which can extend to burst pipes.

However, your insurer may deny your claim if they determine you neglected to take reasonable precautions to prevent freezing.

For example, if you left your home unheated during freezing temperatures or failed to insulate exposed pipes, the insurer might argue the damage was avoidable.

Always review your policy to understand its specifics, and ask your agent if you have any questions about your coverage.

How Do I Prevent Pipes from Freezing?

Pipes in unheated areas like attics, basements and garages are the most vulnerable to freezing. Fortunately, there are easy steps you can take to keep your water flowing and protect your home from damage. Consider the following steps to avoid having frozen pipes:

• Use pipe insulation or heat tape on exposed pipes in unheated areas like basements or garages.

• Maintain a consistent indoor temperature of at least 55°F, even if you’re away.

• Allow a small trickle of water to flow through pipes to help prevent freezing.

• Use caulk or insulation to seal gaps near pipes that let in cold air.

• Leave bathroom and kitchen cabinet doors open to let warmer air flow around the pipes, particularly if your sinks are on an exterior wall.

Get in Touch

Securing the right home insurance policy can help you be financially prepared for water damage and other risks. Contact Price Insurance today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.