Tips to Minimize Texas Freeze Claims

Texas freezes can cause widespread and costly damage to homes, especially when temperatures drop unexpectedly. Frozen pipes, power outages, and roof damage lead to thousands of home insurance claims each winter. Taking preventive steps can help protect your home and reduce the risk of denied or reduced insurance claims.

Insulate Pipes and Exposed Plumbing

Frozen and burst pipes are among the most common freeze-related claims in Texas. To prevent damage:

• Insulate pipes in attics, garages, and exterior walls
• Cover outdoor spigots with insulated covers
• Drain and shut off sprinkler systems
• Allow faucets to drip during extreme cold

Most home insurance policies cover burst pipes caused by freezing, but claims may be denied if reasonable precautions were not taken.

Maintain Adequate Heat in Your Home

Homeowners' insurance typically requires that you maintain heat inside your home during cold weather. To avoid claim issues:

• Keep indoor temperatures above 55°F
• Use space heaters safely and never leave them unattended
• Check your HVAC system before cold fronts arrive

If a power outage occurs, document the outage and take steps to prevent further damage once power is restored.

Seal Doors, Windows, and Attic Openings

Cold air intrusion increases the likelihood of frozen plumbing and water damage. Seal gaps around:

• Doors and windows
• Attic access points
• Garage doors

Weatherstripping and caulking are inexpensive improvements that can prevent thousands of dollars in damage and reduce insurance claims.

Protect Your Roof and Gutters

Ice buildup is less common in Texas, but freezing rain can still cause roof damage. Prevent issues by:

• Clearing debris from gutters
• Repairing loose shingles
• Trimming overhanging branches

Water backing up due to ice or debris can lead to interior leaks that trigger insurance claims.

Document Your Home and Insurance Policy

Before a freeze, review your homeowners' policy to understand what is covered. Keep:

• Photos of your home’s condition
• Receipts for insulation or repairs
• An inventory of personal belongings

This documentation speeds up the claims process if damage occurs.

Know What Insurance Does and Doesn’t Cover

Home insurance generally covers sudden, accidental freeze damage—but it does not cover:

• Flooding from outside water
• Neglect or maintenance-related issues
• Long-term wear and tear

Understanding these exclusions helps homeowners avoid costly surprises.

Conclusion

Preparation is the best defense against Texas freeze damage. Taking proactive steps not only protects your home but also helps ensure your insurance claim is covered if winter weather strikes.