Will My Homeowners Insurance Cover My Frozen Pipes?

Insurance Coverage for Bursting Pipes

Most homeowner and commercial property insurance policies will cover damage from a frozen pipe that bursts as long as the policy contains language specifying coverage for “sudden and accidental” discharge from a plumbing source or system. However, it is important to note that coverage may be denied if it appears that the property owner did not take proper steps to safeguard their property, such as maintaining heat within the property and preventing freezing.

Preventing Bursting Pipes

There are several steps that can be taken to prevent bursting pipes. These include:

  • Insulating pipes and meters with foam sleeves, pipe tape, batt insulation, or expanding foam.
  • Fixing leaks in the pipes and installing new washers, changing piping, and/or using caulking.
  • Storing drinking water in case pipes freeze (1 gallon per person/per day for 3 days).
  • Allowing a faucet to drip during extreme cold weather in unheated and uninsulated areas.
  • Removing garden hoses from outdoor water facets and covering all exterior faucets.
  • If your home has a shut-off valve that allows you to cut off water to outside faucets, you may want to use it as an added precaution.
  • Dealing with Frozen Pipes

If you suspect that your pipes have frozen, it is important to take immediate action. Here are some steps to take:

  • If pipes freeze, completely open the cold-water faucet closest to the freezing pipe.
  • If you decide to thaw the pipe, use a hair dryer.
  • If your vacant or unoccupied property has no heat, be sure to shut off the water supply and drain the system(s) and appliance(s) of water to avoid freezing pipes.
  • If possible, have a neighbor check on the property.
  • Conclusion

Bursting pipes can cause extensive damage and result in costly repairs. By taking the necessary steps to prevent freezing and bursting and understanding your insurance coverage options, you can protect your property from this wintertime hazard. Remember to insulate pipes, fix leaks, store drinking water, allow faucets to drip, remove garden hoses and cover exterior faucets, and if possible, have a neighbor check on the property if left vacant.

If you have any questions about this or other coverage questions feel free to book a call with our team or import your policies for a full review using the links below.


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