Will Homeowners Insurance Cover Frozen Pipes?

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   Pete Wittman

   President, The Wittman Group, Tennessee

   Homeowners insurance claim coverage is dependent on cause loss and if the policy covers that cause of loss.  Not all homeowners insurance are created equal.  Some cover fire only, while other cover broader perils of coverage (like wind, hail, falling objects, weight of snow, etc), while even other policies cover all perils except what is specifically excluded.  It would be this latter type of policy that would cover frozen pipes.  Check with your agent or read your policy under coverage and exclusions.

   Answered on April 2, 2014

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