Common Freeze-Related Claims in Texas
Freezing temperatures in Texas often catch homeowners and businesses off guard. Because many properties are not built for prolonged cold, winter storms can cause widespread damage. Understanding the most common freeze-related insurance claims can help you prepare and respond quickly if a freeze occurs.
Burst and Frozen Pipes
One of the most frequent freeze-related claims involves burst pipes. When temperatures drop, water inside pipes can freeze, expand, and cause pipes to crack or burst. Once temperatures rise, thawing pipes can release large amounts of water, leading to flooding, drywall damage, ruined flooring, and mold growth.
Most homeowners' insurance policies cover sudden and accidental water damage from burst pipes, provided reasonable steps were taken to maintain heat in the home. Claims may be denied if a property was left unheated for an extended period.
Water Damage to Walls, Ceilings, and Floors
When pipes burst or sprinkler systems freeze, water often spreads quickly through walls and ceilings. This can damage insulation, electrical systems, flooring, cabinetry, and personal property. Secondary damage, such as mold or structural weakening, may also occur. Insurance typically covers the resulting water damage, but not long-term maintenance issues that existed before the freeze.
Roof Damage from Ice and Snow
Although snow and ice are less common in Texas, heavy accumulation can stress roofs not designed for winter weather. Ice dams may form, preventing proper drainage and forcing water under shingles. This can cause leaks, ceiling stains, and interior damage. Home insurance generally covers roof damage caused by sudden weather events, but older roofs or pre-existing issues may complicate claims.
Heating System Failures
Freezes can cause furnaces, heat pumps, and boilers to malfunction or shut down entirely. Power outages may also disable heating systems, increasing the risk of additional damage like frozen pipes.
While insurance may cover resulting damage, the cost to repair or replace the heating unit itself is often considered maintenance-related unless damaged by a covered peril.
Power Outages and Spoiled Food
Extended power outages during freezes are common in Texas. When electricity is lost, homeowners may file claims for spoiled food in refrigerators and freezers. Some policies offer limited coverage for food loss, often with a deductible threshold. Businesses may also file claims for lost inventory or income if operations are interrupted.
Business Interruption and Commercial Losses
Commercial properties often experience freeze-related claims involving burst pipes, sprinkler systems, inventory damage, and forced closures. Business interruption insurance may help cover lost income during repairs, depending on policy terms.
Conclusion
Freeze-related insurance claims in Texas often involve water damage, structural issues, and system failures. Reviewing your policy before winter weather hits—and taking preventive steps—can make a significant difference in how smoothly a claim is handled.
