Freezing temperatures can wreak havoc on your home’s internal systems. Burst pipes, cracked sprinkler lines, and damaged water supply components are common during cold weather events—and can lead to devastating flooding, mold, and structural damage. Most standard homeowners policies do cover damage caused by freezing, but only if you’ve taken “reasonable care” to maintain heat or properly shut down the water system while away. That’s where many claims hit a wall.
Insurers often dig into the fine print of your policy and look for reasons to deny coverage, especially if the home was vacant or temporarily unoccupied. Even brief absences—like a weekend away—can trigger exclusions if heating wasn’t maintained or if systems weren’t properly winterized. Adjusters may request HVAC logs, thermostat settings, or utility records. They may also cite ambiguous language around what counts as “reasonable care” or “occupancy.”
At Loti, we understand how these claims get challenged—and we know how to fight back with evidence and clarity. We help you prove you met your responsibilities, so the insurer upholds theirs.
OUR APPROACH
Freezing Claims—When Pipes Burst, the Details Matter
Photograph broken pipes, flooded areas, and any damage before cleanup or repairs begin
Save utility records, smart thermostat logs, or HVAC service receipts to show heating was active
If you were away, document travel dates, check-ins, or caretaker visits to prove the home wasn’t abandoned
Begin water mitigation and cleanup right away to prevent further damage and mold
Review policy language for exclusions related to “vacant,” “unoccupied,” or “seasonal” usage
Key Steps We Help You Take After a Freezing Incident:
Loti structures your claim to eliminate doubt. We organize evidence to demonstrate that the home was heated or properly managed, that the break was sudden and accidental, and that every step was taken to mitigate further loss.
Freezing claims are often about proving what you did before the damage occurred. That’s why our approach is proactive, evidence-based, and tailored to prevent delays or denials. With Loti, you don’t just file a claim—you present a case that’s built to win.
FREE RALLYBACKS
Freezing temperatures can cause significant damage to your home, particularly if water pipes burst or heating systems fail. Fortunately, the freezing peril is typically covered under most standard homeowners insurance policies. This peril provides coverage for damage caused by freezing temperatures, but there are specific conditions and exclusions that homeowners need to understand to ensure they are fully protected.
This detailed guide will explain what the freezing peril is, how it works within a homeowners insurance policy, and provide specific examples to help homeowners understand when and how this coverage might apply.
Understanding the Freezing Peril in Your Homeowners Insurance Policy: A Detailed Guide
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