Common Winter Storm–Related Claims in Texas
Winter storms in Texas often bring freezing temperatures, ice, and power outages that lead to widespread property damage. Because homes and infrastructure are not always built for extreme cold, insurance claims tend to rise sharply during these events. Understanding the most common winter storm–related claims can help Texans prepare and respond more effectively.
Frozen and Burst Pipes
Frozen pipes are one of the most frequent and costly winter storm claims in Texas. When water freezes inside pipes, it expands and can cause pipes to crack or burst. This often leads to extensive water damage to walls, ceilings, flooring, and personal belongings. Homeowners insurance typically covers sudden pipe bursts, but claims may be denied if the insurer determines the homeowner failed to maintain heat or take reasonable preventative measures.
Roof and Structural Damage
Ice accumulation, heavy sleet, and rapid temperature changes can damage roofs and structural components. Shingles may crack or loosen during freeze-thaw cycles, allowing water to leak inside when ice melts. Claims often include roof repairs, ceiling damage, and insulation replacement caused by water intrusion.
Power Outage–Related Losses
Winter storms frequently strain Texas’ power grid, leading to prolonged outages. Loss of electricity can result in frozen plumbing, electrical surge damage when power is restored, and spoiled food. Many homeowners' policies provide limited coverage for food spoilage and damage caused by power surges, depending on policy terms and limits.
Heating System and Appliance Damage
Heating systems work overtime during winter storms, increasing the risk of breakdowns or sudden mechanical failure. Insurance may cover damage caused by a sudden malfunction or resulting fire, but routine wear and tear is typically excluded. Space heater fires are another common source of winter-related claims.
Auto Insurance Claims from Winter Driving
Icy roads and reduced visibility lead to a spike in vehicle accidents during winter storms. Collision coverage applies when a driver slides into another vehicle or object, while comprehensive coverage may cover storm-related damage, such as falling tree limbs or ice accumulation.
Business Property and Interruption Claims
Businesses often file claims for frozen pipes, damaged equipment, and inventory losses during winter storms. If physical damage forces a temporary closure, business interruption coverage may help replace lost income, provided the shutdown results from a covered peril.
Conclusion
Common winter storm–related insurance claims in Texas stem from freezing temperatures, power outages, and storm damage. Taking preventative measures and understanding your policy coverage can reduce losses and help speed up recovery after winter weather strikes.
