clock February 19, 2016 comments No Comments flowchart Homeowners InsuranceOur Blog tag Property MaintenaceWeather

Frozen pipes are wreaking havoc for Rhode Island Homeowners. Learn how your home insurance covers water damage from burst pipes.


During these winter months, and especially during a particularly cold snap of weather, a major concern for many Rhode Islanders is the possibility of frozen pipes. Whether in your house or at your business, when temperatures drop to sub-zero levels, pipes in buildings are at risk of freezing if they are not properly insulated. If the water inside the pipes freezes, the pipes can subsequently burst, causing major damage to a building and its contents.

Is Damage Caused by Frozen Pipes that Burst Covered by Insurance?

Home insurance policies as well as businessowners policies typically cover the damage resulting from a frozen pipe that bursts. In order for coverage to apply, many policies do require that you took reasonable measures to prevent the pipes from freezing, such as maintaining the heat to your home or business or you shut off and drained the water supply. Most policies cover damage to the building, such as walls, ceilings, or flooring. In addition, if the water damages contents, such as furniture or electronics, there is typically coverage for that. All claims are subject to your policy deductible before the insurance applies.

There is typically coverage for:

  • Repairs or replacement of damaged property
  • Cost to access the pipe (such as tearing out a wall)
  • Additional living expenses if the damage is so extensive that you are unable to stay in your home while the damage is being repaired

There is typically NOT coverage for:

  • Repair or replacement of the pipe itself

To learn more, read our previous blog article about about What causes frozen pipes and how you can prevent them.

As always, if you have any questions, feel free to give us a call at 401.723.8510.

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