Does Homeowners Insurance Cover Damage from Frozen Pipes?

Winter can be a beautiful season, but it also brings challenges for homeowners, particularly the risk of frozen pipes. When temperatures drop, water in pipes can freeze, expand and cause pipes to burst, leading to significant water damage. This raises an important question: Does homeowners insurance cover damage from frozen pipes?

Coverage for Frozen Pipes

Most standard homeowners insurance policies can cover damage caused by frozen pipes, but there are conditions. The policy may cover the resulting water damage from a burst pipe, including damage to walls, floors and personal belongings. However, the coverage often depends on whether the homeowner took reasonable steps to prevent the pipes from freezing.

Preventive Measures and Policy Requirements

Insurance companies expect homeowners to take preventive measures to avoid frozen pipes. This can include keeping the home heated to a minimum temperature, allowing faucets to drip during extreme cold and insulating pipes in unheated areas like basements and attics.

Failure to take these precautions might result in a claim being denied. Reviewing your policy and understanding what preventive steps are required is crucial.

Exclusions and Limitations

While many policies may cover the damage caused by frozen pipes, they might not cover the cost of repairing the pipes themselves. Additionally, suppose the home is unoccupied for an extended period, such as during a vacation and the homeowner did not take steps to maintain heat.

In that case, the insurance might not cover the damage. Some policies also exclude coverage for secondary homes or properties that are not regularly occupied.

Get the Right Coverage

Taking proactive steps and understanding your policy requirements can prepare you for a winter emergency. Review your insurance policy regularly and consult your provider to address any questions and confirm you have the necessary coverage for your home.

Contact Pacelli 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.