does homeowners insurance cover frozen pipes?

Does Homeowners Insurance Cover Frozen Pipes? Find out here!

Does Homeowners Insurance Cover Frozen Pipes?

Everything You Need to Know!


Almost 40 percent of homeowners say that they suffered losses due to water damage from unexpected accidents such as burst pipes.

Winter weather brings the threats of frozen plumbing and broken pipes. You may be asking yourself, does homeowners insurance cover frozen pipes?

Considering the statistics for water damage, this is an important question to ask to prepare yourself. Most policies will cover you, but there are certain key factors you need to understand first.

Learning about your homeowners' insurance coverage should be your first step in protecting your home and possessions. Here are some common facts about frozen pipes and tips you can use to prevent them.

Know the Facts!

First, it's important to remember that not all homeowners insurance policies are identical. It's critical to read your policy or call your KMKInsure agent if you're unsure.

If you don't have homeowners insurance, you should invest in it. A personal insurance plan covers you when sudden and unexpected events occur, such as burst pipes.

Your coverage may vary depending on the source of the damage and whether it was sudden or took place over a period of time. Some plans need certain requirements to be met before providing coverage. Failure to adhere to these conditions can affect your damage claim.

Most homeowners insurance plans cover sudden and accidental damage from your pipes bursting. However, everything may not be covered.

Here are some questions you should ask your KMKInsure agent or find in your policy:

  • Is the cost of the damaged pipe covered?
  • What types of water damage coverage do I have?
  • Is mold covered if it was a result of water damage?
  • How do I file a water damage claim?
  • How can I clean up and prevent more damage afterwards?
  • What are the steps I should take after filing a claim?

Understanding your policy and preparing can save you money on costly repairs later.

The Causes of Frozen Pipes and How to Prevent Them

Water expands when it freezes. This is dangerous for your pipes due to the increased pressure put upon them. Pipes can crack or even burst, which leads to severe water damage in your home.

Pipes usually burst because of that increase in pressure due to an ice blockage. Pipes located outside of building insulation (such as those located in outside walls and in the attic) are the most vulnerable.

As a homeowner, there are a few tricks you can use to prevent the hassle of your pipes bursting.

Letting the Water Run

While water can still freeze while flowing slowly, letting your faucet run reduces the pressure between the faucet and an ice blockage.

Because of the water wasted using this method, only vulnerable homes with unprotected pipes should use this technique. Remember, a slight or slow drip is plenty to reduce pressure.

Watch Your Thermostat

With the holidays approaching, you may have plans to leave your home for a short period of time. Be careful with how much you lower the temperature in your house. While you may save money on your heating bills for the month, your pipes may be more at risk.

No Water from the Faucet? Don't Risk It

If you turn on your faucet and you don't see any water, immediately turn off the water supply and call a plumber for assistance. You can turn off the supply at the main shut off valve.

You can prepare your pipes for the winter to keep them from freezing. This can prevent a costly disaster down the road.

Steps to Take If Your Pipes Burst

It's crucial to act immediately if your pipes burst. Take these steps as soon as you realize you have a problem to prevent further damage.

1. Turn off Your Water Supply

The first step you want to do is to prevent more water from rushing into your home and damaging your belongings. Find your main water supply and turn it off to stop the flow of water.

2. Shut off Your Electricity

The second step you should take is to shut off power to that area. If any water is coming from your ceiling or walls then your electrical wiring is already at risk. Call an electrician for help.

3. Open Faucets

Once your water is off, you can open your faucets to remove some of the pressure in your pipes. This should help prevent more damage.

4. Try to Dry the Area

Remove the water that has pooled in your house as soon as possible and try to dry your walls and floors.

Drying your walls and floors as much as possible can prevent water and mold damage. Failure to act on this step can lead to costly repairs that may not be covered by your insurance.

5. Move Important Documents and Belongings

Prevent your possessions from getting ruined by moving them to a safe and dry area of your home. You should remove important documents and items at risk of water damage first.

Acting quickly by performing these tasks will help you prevent unexpected expenses down the road that may not be covered. Remember, it's crucial to act as soon as possible to protect your home and possessions against further damage.

Prepare and Protect Your Home This Winter

In the end, does homeowners insurance cover frozen pipes?

Policies will cover a sudden and unexpected event, such as pipes that become blocked with ice and burst. However, most plans will not cover damages caused by neglect.

Some policies require you to follow certain terms before they will accept your claim. You should call your KMKInsure agent or read through your policy to know what isn't covered.

If you can, winterize your home and find out where your main water supply line is in the case of an emergency. Remember to keep a plumber's number on hand, along with your KMKInsure agent's information.

If you have questions about homeowners insurance, find out more or contact a KMKInsure agent to request a quote.