Water damage represents one of the leading insurance claims, making frozen pipe prevention essential during the winter months. When temperatures plummet, the water inside your pipes can freeze, expand, and cause pipes to burst — leading to significant and costly damage to your home.

Here are six key recommendations to help protect your home from frozen pipe damage this winter season:

1. Maintain Indoor Temperatures Above 65 Degrees

Keep your thermostat set to at least 65 degrees Fahrenheit, even when you are away from home. This helps ensure that the interior walls and pipes stay warm enough to prevent freezing. It may cost a bit more on your heating bill, but it is far less expensive than dealing with water damage from a burst pipe.

2. Arrange Home Monitoring During Extended Absences

If you plan to be away from home for an extended period during the winter, arrange for someone to check on your home regularly. Having a friend, neighbor, or family member stop by daily can help catch any problems early before they become catastrophic.

3. Shut Off Water When Leaving for the Winter

If you are leaving your home for an extended winter vacation, consider shutting off the main water supply. Drain the system by opening all faucets and flushing toilets to remove as much water as possible from the pipes. This eliminates the risk of frozen water causing a pipe to burst while you are away.

4. Keep Faucets Dripping to Maintain Water Circulation

When temperatures drop below 25 degrees, allow your faucets to drip slightly. Running water, even at a trickle, helps prevent pipes from freezing. Focus on faucets served by exposed pipes or pipes that run through unheated areas of the home.

5. Have a Contractor Insulate Visible Pipes

Hire a professional contractor to insulate pipes that are exposed to cold temperatures, such as those in basements, crawl spaces, attics, and garages. Pipe insulation is relatively inexpensive and can save you from significant repair bills down the road.

6. Monitor Ceilings and Walls for Leaks During Thaw

After a cold snap, keep an eye on your ceilings and walls for any signs of water damage or leaking. Frozen pipes may not show damage until the ice thaws and water begins to flow again. Early detection is key to minimizing damage and repair costs.

Important Insurance Note

It is important to understand that the pipe itself is not covered under a water claim — just the damage the water caused. Water damage is one of the leading insurance claims, and filing multiple water-related claims may trigger policy cancellation or substantial rate increases. Taking preventative measures is always the best approach to protecting both your home and your insurance standing.

Stay proactive this winter season. A little preparation can save you from thousands of dollars in repairs and the hassle of dealing with insurance claims.