Protect Your Pipes & Avoid Water Damage
When temperatures plummet and winter sets in, freezing weather can bring more than just a chill in the air—it can also bring challenges for homeowners. One of the biggest risks during cold snaps is the possibility of freezing pipes. If water in your plumbing freezes, it expands, which may cause your pipes to burst and lead to extensive water damage inside your home.
How to Prevent Frozen Pipes in Cold Weather
Even if you live in an area where freezing temperatures are uncommon, it only takes one cold night for disaster to strike. Use these proactive steps to reduce the risk:
Insulate Exposed Pipes:
Pipes located in attics, basements, garages, and along exterior walls are most vulnerable. Wrap them with pipe insulation, foam sleeves, or even layers of newspaper and plastic if you’re in a pinch.
Seal Gaps and Cracks:
Look around your home for openings near pipes where cold air can seep in. Use caulk or insulating foam to seal these gaps and keep the warmth inside.
Let Faucets Drip:
When temperatures drop below freezing, allowing a slow, steady drip from faucets can keep water moving and help prevent freezing in the pipes.
Open Cabinet Doors:
If you have plumbing under sinks along exterior walls, open the cabinet doors to allow warm air to circulate around the pipes.
Keep the Heat On:
Maintain a consistent temperature inside your home, even at night or if you're away. Don’t let the thermostat drop too low.
Understanding Water Damage Insurance Coverage
Despite our best efforts, sometimes accidents happen. If you’re wondering whether your insurance policy covers water damage from frozen pipes, you’re not alone! Coverage can vary depending on your policy and the specific circumstances.
Typically, most standard homeowners insurance policies will cover water damage that results from a burst pipe due to freezing—provided you have taken reasonable steps to prevent it. However, some types of water damage may be excluded, or coverage amounts may differ.
What Should You Do?
Review your policy for details about water damage coverage and exclusions.
If you’re unsure, reach out to your insurance agent to clarify what types of damage are covered and whether you may need additional protection.
Document any improvements you make (insulation, repairs, etc.) and keep records—they can help demonstrate that you took precautions, should you need to file a claim.
Stay Warm, Stay Safe, and Stay Covered
Winter weather can be tough on your home, but a few preventive measures and some insurance know-how go a long way towards avoiding costly repairs and headaches. Have questions about your coverage or need advice on winterizing your home? Don’t hesitate to contact us—we’re here to help keep you secure and informed all season long. Stay warm, and enjoy a safe, cozy winter!
