Winter-Related Risks for Insurance Claims in Texas
Texas winters are unpredictable—ranging from mild chilly days to severe freezes that can cripple homes, vehicles, and businesses. When temperatures suddenly drop, Texans often face property damage, dangerous road conditions, and utility disruptions that trigger thousands of insurance claims. Understanding the most common winter-related risks can help homeowners and business owners better prepare—and avoid costly losses.
Frozen and Burst Pipes
One of the biggest winter risks in Texas is frozen plumbing. Homes and commercial buildings in warmer climates often lack sufficient insulation, making pipes highly vulnerable when temperatures fall below freezing. Water expands as it freezes, causing pipes to burst and flood interiors.
Most homeowners and commercial property insurance covers resulting water damage, as long as you took reasonable steps to prevent the freeze, such as keeping heat on or insulating exposed pipes.
Roof Damage From Ice, Snow, and Freezing Rain
While heavy snow is rare, Texas frequently experiences ice storms and freezing rain. Ice accumulation can weigh down roofing materials, gutters, and eaves, causing them to buckle or tear away from the structure.
Insurance typically covers this type of damage, but pre-existing roof issues (like old shingles or poor maintenance) may lead to reduced payouts or claim denials.
Winter-Related Auto Accidents
Texas drivers face heightened risks during winter storms due to icy bridges, sleet, and freezing rain. Multi-car collisions and slide-off accidents spike when temperatures drop.
Comprehensive and collision coverage can pay for winter-weather vehicle damage, while liability coverage helps pay for injuries or property damage you may cause to others. Without these protections, drivers may be left paying out of pocket.
Power Outages and Resulting Damage
Severe cold snaps can strain the power grid, leading to widespread outages like those during Winter Storm Uri. Power loss can cause:
- Food spoilage
- Burst pipes due to loss of heat
- Business interruptions
- Damage to electronics from power surges
Homeowners, renters, and business insurance often cover secondary damage, but they do not typically pay for the outage itself.
Slip-and-Fall Accidents on Ice
Property owners may be liable if a guest, tenant, or customer slips on ice they failed to remove or warn about. Commercial general liability and homeowners' liability insurance can help cover medical bills or lawsuits.
Vehicle Theft and Vandalism During Cold Snaps
Cold weather brings more opportunity for theft—especially when drivers leave cars running to warm up. Comprehensive auto insurance covers theft or attempted theft.
