Does Homeowners Insurance Cover Frozen Burst Pipes?

Yes and no are the answers to this question. As the homeowner, you must comprehend both the yes and no parts of the response. This is why. In most cases, insurance will not cover the cost of repairing the ruptured pipes. That means you are responsible for the plumber’s fees. As a result, the answer to the question “will insurance cover frozen pipes?” is a resounding no.

Water damage is usually covered by most insurance policies. As a result, insurance usually covers damage to ceilings, walls, furniture, and flooring, among other things. This is advantageous because the cost of repairing the pipes is generally significantly higher than the cost of repairing the other things.

Are Frozen water pipes covered by insurance?

Yes, in general. If your pipes freeze and burst due to the cold, the water damage will most likely be covered by your homeowner’s insurance policy.

Are Frozen water pipes peril?

Water expands by around 9% as it freezes. This increases the pressure in your home’s pipes, which might cause them to break or rupture. A 1/8-inch pipe crack can leak up to 250 gallons of water each day, inflicting serious damage.

Does home owners insurance cover burst pipe?

Accidental water damage caused by an unforeseen event, such as a burst pipe, is frequently covered by a homeowners insurance policy. Furthermore, cleaning, repair, or replacement of wood floors, drywall, and even furniture as a result of water damage caused by a broken pipe is usually covered. However, if you disregard a known leak or another long-standing issue, your claim may be denied.

Does Home Insurance Cover Frozen Pipes?

Typically, water damage caused by a burst frozen pipe is covered by your homeowners insurance, which includes cleaning and any repairs. Your claim may not be covered if you shut off your heat when leaving your residence for a few days, causing the pipes to freeze as the outside temperature dropped.

You can avoid a freeze-related calamity by taking proactive measures to maintain and preserve your pipes. When you’re not at home, replace the thermostat’s battery and set the temperature to a minimum of 55°. If you’ll be gone for a long time, have a relative or friend check on your house and ensure sure the heat is turned on as needed. Winterize your home if you’re going to be gone for the full winter. This entails completely draining your plumbing system and turning off your water supply.

Does Homeowners Insurance Cover Water Line Breaks?

Most homeowner’s insurance policies do not cover water line breaks unless the pipe has been severely damaged. Repairs and cleanup, for example, may be reimbursed if you excavate in your yard and accidently break the water line coming from your meter. However, if a water line on your property breaks due to age, normal wear and tear, faulty original installation, frequent ground temperature changes, shifting soil, or damage from pests or encroaching tree roots, the break and accompanying water damage are unlikely to be covered by your standard policy.

Your city or town is responsible for repairing or replacing a water main if it breaks, but you are usually responsible for the repair or replacement of the water main supply line connecting to your residence. If your home has been harmed by a public water main break, notify both your municipality and your insurance carrier.

What Coverage Do You Need for Broken Pipes?

Dwelling coverage, personal property coverage, and/or loss of use coverage frequently include accidental water damage. Make sure water damage is a covered loss in each of these house insurance policy components by speaking with your insurance representative.

Dwelling Coverage

A house insurance policy’s dwelling coverage is a critical component. In the event of unintentional water damage, fire, extreme weather, vandalism, or any covered cause of loss, it can assist pay to rebuild or repair the physical structure of your home.

The projected cost of reconstructing your home determines your dwelling coverage limitations. It’s a good idea to talk to your insurance agent about the replacement cost of your home once a year, especially if you’ve made modifications. Even little upgrades might have an impact on the cost of rebuilding your home.

Property Coverage

In the case of a covered loss, personal property coverage helps cover your items, including as furniture, clothing, sporting goods, or technology, whether they are destroyed at your house, apartment, or anywhere else in the globe.

As long as accidental water damage is a covered cause of loss in your policy, this entails coverage for expert cleaning or replacement of furniture and personal possessions in the event of a burst pipe.

Personal property is often covered at real cash value rather than replacement cost under many policies. You might be able to add full replacement cost coverage to your policy.

Loss of Use Coverage

If a covered occurrence makes your house temporarily uninhabitable while it’s being repaired or rebuilt, loss of use coverage, also known as additional living expenses insurance, can help pay for the additional costs you incur for appropriate housing and living expenses. So, if a burst pipe has rendered your home uninhabitable due to covered damage, this coverage could help pay for things like hotel bills and pet boarding while your house is being restored or rebuilt.

What Water Damage Isn’t Covered by Homeowners Insurance?

You would need to obtain different insurance policies or add-ons to your homeowners coverage to help protect yourself against floods, backup, or sump pump failure. The homeowner is responsible for pipe and appliance upkeep.

Does State Farm homeowners insurance cover frozen pipe damage?

When interior pipes freeze and break, one of the most prevalent types of water damage happens. When this occurs, the water can harm your flooring, walls, furniture, computers, and everything else in its path. You’ll have to pay your policy’s deductible, but State Farm has a strong track record in the industry for paying for water damage caused by frozen pipe bursts as long as “appropriate care” is taken to keep the house warm, according to the firm. In other words, if it is discovered that the temperature in a residence was a significant factor in why the pipes froze and burst in the first place, the claim may be refused.

Does insurance cover freeze damage?

In general, most homeowner and commercial property insurance policies will cover damage caused by a burst frozen pipe. If the following or comparable language appears in the policy, it usually means that coverage exists: When damage is proven to have occurred as a result of a “sudden and inadvertent” discharge from a plumbing source or system, coverage is awarded (please check your policy for the exact language). However, there is one caveat: if it looks that you failed to take the necessary precautions to protect your property, your insurance policy may not respond. Even if the property is idle, occupied, or unoccupied, your insurance normally requires that heat be maintained within the property, and some policies require that you maintain a specified temperature. If it is decided that the insured did not take efforts to maintain the property to prevent freezing, you may not be eligible for insurance coverage for plumbing, heating, air conditioning, automatic fire protection, or household appliances.

Now that winter has here, here are a few tips to keep your pipes from freezing:

  • Use foam sleeves, pipe tape, batt insulation, or expanding foam to insulate your pipes and meters.
  • All leaks must be repaired. It’s possible that you’ll need to replace washers, modify the pipe, and/or use caulking.
  • Store drinking water (1 gallon per person/per day for 3 days) in case pipes freeze.
  • Allow a faucet to leak in unheated and uninsulated spaces during extremely cold weather.
  • Maintain a room temperature of 69 degrees Fahrenheit or no lower than 55 degrees Fahrenheit in all sections of the property (use extreme caution when warming an area with space, kerosene or other types of heaters to avoid risk of fire or carbon monoxide poisoning).
  • Garden hoses should be removed from outdoor water facets. All outside faucets should be covered. Inquire at your local hardware shop about insulation.
  • If your house has a shut-off valve that allows you to turn off the water to outside faucets, you should use it as a precaution.
  • If pipes freeze, open the cold-water faucet closest to the frozen pipe fully. Use a hair dryer to thaw the pipe if you desire to do so. NEVER EVER EVER EVER EVER EVER EVER EVER EVER EVER EVER EVER EVER EVER
  • To avoid freezing pipes, turn off the water supply and empty the system(s) and appliance(s) if your vacant or unoccupied property is without heat. Have a neighbor check on the property if feasible.

If you have any questions, call the Department of Insurance, Securities, and Banking at (202) 727-8000.

How do plumbers fix frozen pipes?

A plumber can repair pipes that have frozen and burst. If the pipes are frozen but not burst, a plumber can defrost them using a heat gun. A homeowner could start the thawing process with a hair dryer as a temporary remedy. In this circumstance, a plumber’s major function and concern is to diagnose and fix the condition that caused the pipes to freeze. For additional information about frozen pipes, see our blog “Winter vs. Your Pipes.”

How much does it cost to fix freeze damage?

According to HomeAdvisor’s True Cost Guide, the average cost of foundation repair is $4,200. Minor cracks can be repaired for as low as $500, however extensive repairs can cost $10,000 or more.

How long does it take for a pipe to unfreeze?

It takes roughly 30 minutes to melt frozen pipes using any of the few options available. This varies based on the weather, the length of time the pipe has been frozen, and the location of the pipe. The thawing process can be slowed down by any of these variables. 2

Remember that a frozen pipe isn’t the only problem that cold weather brings. Find out what else you can do to keep your house safe this winter.

The information provided is solely for educational purposes. It does not constitute legal, tax, financial, or other professional advice, nor does it serve as a substitute for such advice. It’s possible that the information won’t apply to you. We made every effort to ensure that the information is correct, however it may be outdated or even incorrect in some areas. It is the reader’s obligation to follow any local, state, or federal regulations that may apply. Nationwide Mutual Insurance Company, its affiliates, and its employees offer no promises or guarantees about the information, and they take no responsibility for the information given. The Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company, and Nationwide, Nationwide, Nationwide, Nationwide, Nationwide, Nationwide, Nationwide, Nationwide, Nationwide, Nationwide, Nationwide, Nationwide, Nationwide, Nationwide, Nationwide Nationwide in 2021.

Do frozen water pipes always burst?

A: If the expanding ice can push water out through an open faucet, frozen pipes do not necessarily explode. Pipes, on the other hand, freeze quickly, and the interval between freezing and bursting can be extremely brief.

How do you unfreeze frozen pipes?

On a chilly January morning along the Indian River, you wake up. It’s 20 degrees outside and there’s 3 inches of snow on the ground. To get water for your coffee, simply turn on the faucet. There’s a bubbling sound, then a tiny trickle of water, and then…nothing. Your pipes are iced up. There will be no coffee. Certainly not! You ignite a flame or boil some water and apply it to the frozen spot in your eagerness to thaw the pipe, and BAM! Your pipe has burst. This is a true story.

Many times, M&M Plumbing, Heating & Cooling has witnessed and helped homes with frozen and damaged pipes. So, here are some common sense tactics for preventing a little problem from becoming a massive disaster. The next time your pipes freeze, follow these easy procedures.

  • The first step is to locate the pipe’s frozen regions. The entire pipeline, from the main water supply to just below the house entry, may be frozen in some circumstances. However, in the majority of situations, the frozen sections of the pipe are isolated and may be found.
  • To restrict the flow of water after the ice has melted, start by cutting off the main water supply. Next, turn on all of the house’s faucets and water outlets. There’s a good likelihood the region around the water meter is frozen if there’s no running water coming out of the faucets. You can check if the meter and nearby pipes are excessively cold by touching them. If this is the case, they are most likely frozen. If water runs in the bathroom but not in the kitchen, a pipe in the kitchen is most likely frozen.
  • When you’ve found the frozen pipe, turn on the faucet that’s linked to it. All of the other taps in the home have been switched on as well. Check to see if the hot water is on and the cold water is off. Turn all other faucets to a trickle once the ice has thawed sufficiently to allow water to flow through the pipe. The hot water will continue to flow as a result of this. Before turning off the water, allow the frozen pipe to completely thaw for the water to flow freely.
  • Other options include utilizing a low-heat hairdryer, a heat lamp, or another device that emits soothing warm air. If you’re using a hairdryer or other air-blowing device, direct the airflow into the faucet, enabling the steam to escape. When steam builds up in a frozen pipe, the pressure can build up to the point where the pipe bursts.

A blow torch or flame, for example, will inevitably generate too much heat too quickly, causing the pipe to explode. A frozen pipe will also be harmed by boiling water. To allow the ice to melt and the metal to progressively contract, all heat given to a frozen pipe must be delicate and incremental.