Solved! Does Homeowners Insurance Cover Frozen Pipes?


Q: During a cold snap last winter, my neighbor’s pipes froze and burst, damaging his home and property. I’m worried my pipes might freeze if it gets that cold again this winter. Does home insurance cover frozen pipes??

A: As winter approaches and temperatures begin to drop, many homeowners ask themselves, “Does home insurance cover frozen pipes?” Most home insurance policies cover damage from freezing and bursting pipes. However, policies generally do not cover frozen pipe damage when the plumbing is in poor condition or when the homeowner’s negligence caused the problem. The best homeowners insurance companies (like Allstate) will clearly state in their policies whether frozen pipes are covered.

The answer to the question, “Is there home insurance that covers frozen pipes?” can help homeowners know what to expect when filing an insurance claim. Homeowners can also reduce the risk of frozen pipes by learning how to properly insulate pipes and winterize their homes.

Frozen pipes can be covered by home insurance if they are caused by a sudden and accidental incident.

The phrase “sudden and accidental” is the most important part of the answer to the question “Are pipe ruptures from freezing covered by insurance?” Sudden and accidental damage will cause pipes to burst despite proper maintenance and care. Insurance companies require homeowners to keep their homes in good repair, and that includes taking reasonable steps to prevent pipes from freezing.

For example, a homeowner may go on vacation and set their thermostat to 60 degrees Fahrenheit to prevent frozen pipes. Despite these precautions, the pipes freeze and burst during her absence. Your homeowners insurance will likely cover the water damage caused by the frozen pipes bursting.

On the other hand, a negligent homeowner is likely to have their claim denied. If a homeowner doesn’t replace corroded pipes or insulate their plumbing for the winter and a pipe freezes and bursts, their insurance company could deny the claim due to negligence or lack of maintenance.

Does home insurance cover frozen pipes?


Home insurance generally does not cover the repair of the pipes, but may cover the resulting water damage.

The answer to the question, “Is there home insurance for burst pipes?” is usually no. Household contents insurance usually only covers damage caused by water escaping from a burst pipe. It does not cover the cost of repairing the broken plumbing. Homeowners may have to pay a plumber out of pocket to fix the pipes.

But the answer to the question “Does your home insurance cover water damage from frozen pipes?” is often yes. Homeowners can usually make claims when sudden water damage causes damage to their home or property. The residential coverage portion of a basic homeowner’s plan generally covers the cost of repairing or replacing components of a home in the event of a covered event. For example, if a frozen pipe ruptures, causing significant damage to a homeowner’s carpeting and subfloor, homeowners insurance will likely cover the cost of replacing the floor, but not the pipe itself.

Does home insurance cover frozen pipes?


Personal property insurance can help repair or replace items damaged by a frozen pipe rupture.

When looking for insurance for water damage to structures, homeowners should also consider damage to their personal property. Homeowner policies typically cover water damage to personal property as well as structural damage to the home. Personal belongings include all of a homeowner’s belongings, such as furniture, electronics, and clothing.

Coverage of private property is subject to certain limits. Homeowners who own fine jewelry or expensive works of art may need additional coverage to protect these items from water damage. Adding these endorsements usually increases the cost of homeowners insurance, but the additional protection is recommended for homeowners who have valuable items in their home.

Loss of use insurance can help cover additional living expenses if the homeowner needs to temporarily move out while repairs are being made to the home.

Water damage to the structure of a home can make it uninhabitable. For example, moisture from a burst pipe can cause mold to grow in the carpet or between the walls. Likewise, standing water near electrical outlets and appliances can pose an electric shock hazard. Homeowners may need to find temporary housing while crews repair the damage to their home.

Most home insurance policies include loss of use insurance. This helpful coverage reimburses homeowners for additional living expenses if they need to temporarily relocate. For example, insurance could reimburse the homeowner for a hotel while a rehabilitation company removes standing water from a burst pipe. It could also partially reimburse them for restaurant meals that exceed the cost of meals at home.

Does home insurance cover frozen pipes?


Home insurance typically does not cover pipes that are frozen due to homeowner negligence.

An essential part of the answer to the question “Is there insurance for burst pipes?” is the condition of the pipes at the time of the accident. A homeowner commits to keeping their home in good condition when they buy home insurance. This means that with regular maintenance you can take care of the systems of the house – such as B. the sanitary installation – take care of. In winter, plumbing maintenance often means insulating pipes or leaving the heating system on to prevent freezing.

Home insurance usually covers burst pipes, but not if the homeowner has been negligent in maintaining their home. For example, a homeowner might forget to turn on their heating when driving out of town for the winter, causing the pipes to freeze and burst while they’re gone. The insurance company could deny the homeowner’s claim of negligence for failing to maintain an appropriate temperature.

To prevent frozen pipes, homeowners can insulate them with pipe tape, foam sleeves, or some other form of insulation.

Homeowners can add insulation products to their pipes to reduce the chance of freezing. Common insulation products include foam sleeves and expanding foam insulation. It is usually recommended that homeowners insulate their plumbing before temperatures begin to drop. Because an early cold snap could cause a frozen pipe, it’s best not to wait until winter to insulate pipes.

Homeowners may be wondering which pipes need to be insulated in their homes. It’s generally a good idea to start insulating pipes in low-heat areas such as attics, garages, and pipes on the outside walls of the home. Walking through these spaces and insulating exposed pipes can help homeowners prevent freezing.

Does home insurance cover frozen pipes?


When leaving home for an extended period, homeowners can ensure the thermostat is not lower than 55 degrees to prevent the pipes from freezing.

Most homeowners insurance policies require homeowners to maintain heat in their home. This requirement helps prevent frozen pipes – which helps reduce insurance claims for burst pipes. Even vacant or uninhabited apartments usually have to be heated in winter to meet insurance requirements. Some insurance policies state the minimum temperature for a home.

If a homeowner fails to maintain the temperature, the insurance company will likely deny any frozen pipe claims. It may also deny other claims related to freezing, e.g. B. Damage to appliances or heating systems. Homeowners can prevent denied claims by checking their thermostats before leaving home in colder weather. In general, homeowners should keep the heat at 55 degrees or higher to keep the pipes from freezing.

Winterizing a home can help prevent frozen pipes from occurring in the first place.

The hibernation process involves searching a home and identifying places where heat can escape. For example, homeowners can use caulking or caulking strips to repair leaks in exterior doors and windows. It is also important for homeowners to remove hoses from outdoor faucets. When the hose is gone, homeowners want to cover the faucet with an insulating material to prevent cold from entering the plumbing system.

Winterizing a home doesn’t completely eliminate the chance of a frozen pipe. If a pipe is still freezing, homeowners may be wondering what to do when pipes burst. Homeowners need to turn off the water supply to their home as soon as possible. This will help prevent additional damage to floors, furniture, and other items. When the water is shut off, homeowners can then call their homeowners insurance agent. Your agent can usually give you recommendations for next steps to fix your burst pipe. Homeowners may also want to contact a water remediation company as soon as possible to prevent mold growth and repair water damage to the home.

Homeowners should read their insurance policy carefully to determine exactly what is and is not covered.

The easiest way for homeowners to know what their insurance covers is to read their policy carefully. The policy should list maintenance and heating requirements – if any – so homeowners are not surprised when claims are denied. If the policy seems unclear, homeowners may want to contact their insurance agent for specific answers.

Some homeowners have home insurance in addition to home insurance. You may be wondering, “Does a household warranty cover frozen pipes?” In most cases, a household warranty will cover repairs to plumbing. Home warranty products often fill insurance gaps, such as B. the cost of repairing burst pipes. As with their insurance policies, homeowners should read their home warranty carefully to ensure they fully understand it.

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