Does Homeowners Insurance Cover Damage from Frozen Pipes? 

Frozen pipes are a common concern during winter, even in states like Georgia, where winters are milder. When temperatures drop, homeowners may wonder if their homeowners insurance policy will cover damages caused by frozen or burst pipes. The answer depends on your policy and the circumstances leading to the damage.

Covered Scenarios

Standard homeowners insurance policies might cover water damage caused by frozen pipes, but only if the damage is sudden and accidental. For example, if a pipe bursts due to an unexpected cold snap and floods your home, your insurance may help pay for repairs to walls, floors and personal belongings affected by the water.

Exclusions to Watch Out For

However, there is no guarantee of coverage in all cases. The claim could be denied if the insurance company determines that negligence played a role—such as if the homeowner failed to maintain adequate heating or neglected to winterize the property. Insurers often require homeowners to take reasonable steps to prevent such incidents, especially in regions like Georgia, where frozen pipes are less common but still possible.

Preventive Measures Matter

To ensure coverage and protect your home, take the following preventive measures during colder months:

• Keep your home heated to at least 55°F, even while you’re away.

• Insulate pipes in unheated areas like garages and crawl spaces.

• Let faucets drip during extreme cold to keep water flowing.

• Seal any gaps or cracks where cold air might enter.

Confirm Your Homeowners Insurance Coverage

Because policies can vary, reviewing your homeowners insurance and speaking with your agent is essential. They can clarify what is covered and recommend additional endorsements, such as water backup coverage, for enhanced protection if necessary. Contact Craddock Insurance Services to find out more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.