Winter freeze events cause burst pipes, ice dam roof damage, and frozen water meter failures that collectively cause over $1 billion in claims annually. Texas, Colorado, Illinois, Tennessee, Washington, and New York are highest-risk states for freeze-related water damage.
$4.4B in insured pipe burst losses after Winter Storm Uri (Texas, 2021)
Supply line pipe bursts when temperatures drop below 20°F
Ice dam formation on roofs causing water to back under shingles
Attic pipe failures in poorly insulated spaces
Outdoor hose bib failures when not properly winterized
Slab leaks from freeze-thaw expansion cycling in foundation pipes
Insulate pipes in unheated spaces: attic, crawl space, garage, exterior walls
Know your main water shutoff location — when a pipe bursts, every second counts
Install pipe insulation sleeves on exposed pipes in unconditioned areas
Disconnect and drain outdoor hose bibs before first freeze
Keep heating set to at least 55°F even when away from home
Open cabinet doors under sinks on exterior walls during extreme cold
Install a smart water sensor that alerts you to leaks while away
Have a licensed plumber inspect pipe routing in your attic and crawl space
Locate burst pipe (listen for rushing water, look for wet ceiling/walls)
Shut off main water supply immediately
Turn off electricity to the affected area at the circuit breaker
Call restoration company — extraction must begin within hours to prevent mold
Document all damage with video before extraction begins
File claim and keep all receipts for emergency expenses (hotel, meals) — most policies cover ALE
Use a licensed plumber for pipe repair, not a handyman
Freeze pipe burst IS covered by standard homeowners insurance if the home was properly heated. Coverage may be denied if the heat was off or if the home was vacant over 60 days — read your policy's vacancy clause.
Peak months: January, February
