Does Homeowners Insurance Cover Frozen Pipes?
Yes, in many situations you can claim frozen pipes under a standard homeowners insurance policy—but coverage depends on the cause of the damage and whether you took reasonable steps to prevent it.
Most standard policies, including those modeled after Insurance Services Office (ISO) forms, cover sudden, accidental water damage from a burst pipe caused by freezing temperatures. However, they typically do not cover damage caused by neglect or lack of maintenance.
When Frozen Pipes Are Usually Covered
Homeowners insurance generally covers frozen pipes if:
- The pipe bursts suddenly due to extreme cold.
- You maintained heat in the home.
- You made reasonable efforts to prevent freezing (such as insulating pipes or allowing faucets to drip during a freeze).
- The property was not left vacant without proper precautions.
If a pipe freezes and bursts, insurance typically pays for:
- Water damage to walls, floors, and ceilings
- Repairs to damaged plumbing
- Mold remediation (if addressed promptly)
- Temporary living expenses if the home becomes uninhabitable
In states like Texas, winter storms have led to widespread frozen pipe claims, especially after severe cold events. Insurance companies closely review these claims to determine whether the damage was preventable.
When Frozen Pipe Claims May Be Denied
Insurance companies may deny a frozen pipe claim if they determine:
- The home was left vacant without draining the plumbing system.
- Heat was turned off during freezing weather.
- The damage occurred slowly over time rather than suddenly.
- The homeowner failed to repair known insulation or plumbing issues.
Policies often require homeowners to use “reasonable care” to maintain heat or shut off and drain systems if away for an extended period.
What to Do If a Pipe Freezes or Bursts
If you experience frozen pipes:
- Shut off the main water supply immediately.
- Document all visible damage with photos and video.
- Contact your insurance company as soon as possible.
- Take steps to prevent further damage (such as drying out wet areas).
Prompt action can strengthen your claim and reduce the risk of denial.
Conclusion
Yes, you can often claim frozen pipes on insurance—but coverage depends on whether the damage was sudden and whether you took reasonable precautions. Reviewing your policy and acting quickly after damage occurs can make a major difference in the outcome of your claim.
