Does Homeowners Insurance Cover Frozen Pipes?

Winter storms and extreme cold snaps are becoming more frequent due to climate change, leaving many homeowners vulnerable to frozen pipes. A burst pipe can cause thousands of dollars in water damage, making it crucial to understand whether your homeowners insurance policy covers such incidents.

Understanding Frozen Pipe Damage

Frozen pipes are a common winter hazard, especially in regions unaccustomed to prolonged freezing temperatures. When water inside pipes freezes, it expands, increasing pressure until the pipe bursts. The resulting water damage can ruin floors, walls, and personal belongings.

How Insurance Typically Handles Frozen Pipes

Most standard homeowners insurance policies cover water damage caused by frozen pipes—but only if you’ve taken reasonable steps to prevent the issue. Insurance companies expect homeowners to maintain their property properly. If negligence is involved (e.g., failing to insulate pipes or keep the heat on), your claim may be denied.

What’s Usually Covered:

• Sudden and accidental pipe bursts
• Water damage to walls, floors, and personal property
• Cost of repairs for damaged plumbing

What’s Often Excluded:

• Damage from long-term leaks (considered preventable)
• Pipes in unheated areas (like an uninsulated attic) if no precautions were taken
• Secondary issues like mold if the leak wasn’t addressed promptly

Climate Change and Rising Insurance Claims

With winters becoming more unpredictable, insurance companies are seeing a surge in frozen pipe claims. Some insurers are adjusting policies or raising premiums in high-risk areas. Homeowners in traditionally warmer states—like Texas, which faced devastating pipe bursts during the 2021 winter storm—are now facing stricter policy requirements.

Preventing Frozen Pipes: Tips to Stay Covered

Since insurers require homeowners to take preventive measures, here’s how to protect your property:

1. Insulate Exposed Pipes

Use foam pipe sleeves or heat tape on pipes in unheated spaces like basements and garages.

2. Maintain Consistent Heating

Keep your thermostat at a minimum of 55°F (12°C) even when you’re away.

3. Let Faucets Drip

A slight trickle of water can prevent pressure buildup in pipes during extreme cold.

4. Seal Drafts

Close gaps in walls and windows near pipes to keep cold air out.

When to File a Claim

If a pipe bursts despite your precautions, act fast:
- Shut off the main water supply.
- Document the damage with photos and videos.
- Contact your insurance provider immediately.

How Insurance Payouts Work

Most policies will cover:
- Repair costs for the damaged pipe.
- Water damage restoration (e.g., drying out walls, replacing flooring).
- Personal property losses (e.g., ruined furniture or electronics).

However, you’ll likely need to pay your deductible first. For major incidents, your insurer may send an adjuster to assess the damage.

The Future of Home Insurance and Frozen Pipes

As extreme weather events increase, insurers may:
- Introduce more exclusions for cold-weather damage.
- Require additional proof of preventive measures.
- Raise premiums in vulnerable regions.

Homeowners should review their policies annually and consider adding endorsements for extra protection.

By staying proactive, you can minimize risks and ensure your insurance will have your back when winter strikes.