Does Homeowners Insurance Cover Frozen Pipes?

Yes, in most cases. Suppose your pipes freeze during periods of really cold weather and burst. As a result, your homeowner's insurance policy will probably pay for any damage caused by water. This is because frozen pipes are more prone to rupture.

This rule is subject to at least three significant deviations, however:

Was the lack of maintenance that caused your frozen pipe the cause?

As the owner, it is expected of you to keep your house in an acceptable condition. Your insurance claim for a burst pipe may be rejected if you did not repair old or corroded pipes or if you did not adequately insulate your pipes. This is especially true if you do not insulate your pipes correctly.

Was your frozen pipe due to negligence?

Have you considered whether it would have been possible for you to avoid the pipe bursting or to freeze in the first place? For instance, when the weather was really cold, did you decide to turn off the heat in your house? If this is the case, your chosen insurance company might have a good cause to reject your claim.

Is it possible that your broken pipe was caused by the pipe's regular wear and tear?

Insurance coverage does not typically cover damage resulting from normal aging, such as worn-out pipes or pipes that have rusted over time. If an unusually cold snap caused your pipes to freeze, resulting in water damage to your home, your claim would likely be approved. If a pipe broke because it was old and worn out, you might face challenges and be unable to do much about it.

Reading your policy's contract thoroughly and, if necessary, having a conversation with your insurance provider is the best approach to determine whether or not your insurance policy covers the damage caused by frozen pipes.