Most homeowner and commercial property insurance policies, in general, will cover damage from a frozen pipe that bursts.
A professionally prepared lease agreement will often require the tenant to keep the unit heated to 60 degrees. If the pipes freeze, then under this lease agreement, the tenant may be responsible not only for their personal property but also the damage to the leased premises.
The benefits that provide for IVF are only available through employer-sponsored healthcare plans and only of the employer provides that option. Typically individual health care plans in the state of California do not offer an option for IVF. The same applies when freezing your eggs.
If damage is less serious, costs may come in around a few hundred dollars. If freezing causes pipes to burst, repairs will likely be more costly, with possible charges of $500 or even upwards of $1,000 possible depending on the the plumber and the damage.
If the damage is sudden, accidental, and comes from inside your home, you're typically protected with a standard homeowners insurance policy. However, you typically won't be covered if the water damage is caused by outside flooding or a neglected repair.
Typically, your homeowners insurance covers cleaning and required repairs due to water damage that is a result of a frozen pipe that has burst. If you turned off your heat when leaving your house for a few days, causing the pipes to freeze when outdoor temperatures dropped, your claim may not be covered.
Reasons for denial can range from the nature of the damage itself—such as gradual damage that occurred over time—to issues with how the claim was filed, including missed deadlines or insufficient documentation. Furthermore, unreported property modifications can also lead to complications during the claims process.
Pipes typically burst when exposed to extremely low temperatures for an extended period of time (anywhere from 1-3 days depending on temperature). This is especially true for pipes located on exterior walls.
Pipe replacement averages $1,252 and ranges from $371 to $2,133. Your plumbing repair pro can assess your home and estimate the overall cost. Pipes are the circulatory system of your house. They deliver drinking water, clean dishes, fill the bathtub, and send wastewater on its way.
If you are unable to locate the frozen area, if the frozen area is not accessible, or if you can not thaw the pipe, call a licensed plumber.
Most homeowner and commercial property insurance policies, in general, will cover damage from a frozen pipe that bursts.
A standard homeowners insurance policy may provide coverage for ice-related damage resulting from hail, the weight of snow, sleet, or ice, and burst pipes. If your policy covers these ice-related perils, you can file a claim for the damage resulting from them.
Health insurance typically covers most doctor and hospital visits, prescription drugs, wellness care, and medical devices. Most health insurance will not cover elective or cosmetic procedures, beauty treatments, off-label drug use, or brand-new technologies.
Your pipes will eventually begin to thaw on their own once the temperatures rise above freezing.
If your pipes freeze:
If you turn on your faucets and nothing comes out call a plumber. If you detect your water pipes have frozen, turn off the water at the main shut-off valve in the house. NEVER try to thaw a pipe with a torch or open flame.
The cost to repipe a 2000 sq ft house is between $3,500-$15,000 on average. Some variables that will affect the total cost of the job are the size of the house, the ease of access to the pipes, the material that is used, and if any other plumbing work needs to be done.
Anticipating Plumbing Costs per Hour: What to Expect
In 2025, homeowners in the U.S. can expect to pay an average of $90 per hour for plumbing services, though rates generally span from $45 to $200 based on service type and complexity.
On average, a small-scale pipe replacement could take anywhere from a few hours to a couple of days. Just a Few Hours: For minor pipe damage or replacement of easily accessible pipe sections, professional plumbers could complete the job in just a few hours.
Thaw Frozen Pipes
Turn off the water immediately at the main shut off valve. Open the faucet so that water will flow through the pipe once the area is melted. This will help melt more ice.
Pipe-thawing options: There are several things you can do to thaw your home's pipes. Here's a list: Probably the most popular and safest pipe-thawing option is to use hot water.
It's important to note that you shouldn't fully open your faucets and plumbing fixtures directly after a freeze. This will drastically increase the water pressure within the pipes if there is any frozen water inside them, causing the pipes to burst.
Water damage is NOT covered when it's the result of a lack of home maintenance/neglect (e.g. a roof you haven't repaired in 30 years). Flood water damage is also NOT covered (unless you have a separate policy for flood insurance in Massachusetts).
Incorrect, Incomplete, or Unsupported Claim
Claims are often denied due to technicalities. Failure to file a timely claim, failure to notify the appropriate parties (such as employers), or failure to follow other rules may lead to an unnecessary claim denial.
Typically covered: losses caused by water abruptly leaking from a pipe inside the home, frozen/burst pipe if reasonable care is used to maintain heat in the home, water backing-up through a sewer or drain (with Back-up of Sewer or Drain endorsement) and water damage to your home caused by ice dams.