Ways to Prevent Frozen Pipes and What Your Homeowners Policy May Cover

Cold weather in Ohio can cause frozen pipes and water damage in homes. At Aaron Grob Agency, we share practical tips to help reduce this risk and review what your homeowners policy may cover when unexpected incidents occur.

How to Prevent Frozen Pipes

Frozen pipes may burst, causing water damage and requiring repairs. Fortunately, there are several steps you can take to lower your risk:

• Insulate exposed pipes: Use pipe insulation or heat tape on pipes in unheated areas like basements, attics and garages.
• Keep a steady temperature: Set your home’s thermostat to the same temperature day and night, even when you’re away.
• Let faucets drip: Allowing a slow trickle of water can keep pipes from freezing, especially during extreme cold snaps.
• Open cabinet doors: This lets warm air circulate pipes under sinks, particularly those on exterior walls.
• Seal gaps and cracks: Check for drafts near pipes and seal any openings to keep cold air out.
• Disconnect outdoor hoses: Drain and store hoses and shut off water to exterior faucets if possible.

What Homeowners Insurance Typically Covers

While these steps may help lower the chance of frozen pipes, they may not prevent every issue. In some cases, most standard homeowners insurance policies may help cover the following:

• Water damage to walls, floors and belongings caused by a burst pipe
• Costs to repair or replace damaged sections of your home
• Temporary living expenses if your home becomes uninhabitable due to covered damage

An insurer may not pay for damage resulting from neglect, such as failing to maintain adequate heating in the home.

Our Team Can Help

Contact Aaron Grob Agency today to discuss your insurance options or to learn 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.