Key Points:
- Frozen pipes can burst, leading to costly water damage. Immediate action is crucial.
- Thawing pipes safely prevents further damage—applying heat gradually is key.
- Insurance claims for frozen pipe damage can be complex, and a public adjuster can help maximize compensation.
If your pipe is frozen, taking immediate action is crucial to prevent a burst pipe and water damage. Shut off the water supply, open faucets to relieve pressure, and apply gradual heat to thaw the pipe. Avoid using an open flame, as it can cause further damage. If the pipe has already burst, turn off the main water valve and contact a professional for repairs.
Why Do Pipes Freeze?
Cold temperatures can cause the water inside pipes to freeze and expand, leading to pressure buildup that can eventually rupture the pipe. This is especially common in areas where winter temperatures drop below freezing for extended periods.
Pipes in unheated areas like basements, attics, and crawl spaces are at risk of freezing, even in milder climates. Poor insulation and sudden temperature drops increase the risk, making proactive prevention essential.
How to Tell if Your Pipes Are Frozen
A frozen pipe isn’t always obvious until it’s too late. However, there are several signs that can indicate a problem:
- No Water Flow – A trickle of water from your faucet, instead of a steady flow, could mean a frozen pipe.
- Frost on Pipes – If you see frost or ice on your pipes, it’s a sure sign they could be frozen.
- Strange Smells – A blocked pipe can cause odors to back up into your home.
- Bulging or Cracked Pipes – In some cases, ice buildup can cause pipes to swell or crack before bursting.
If you notice any of these warning signs, act immediately to prevent a costly repair.

How to Thaw Frozen Pipes Safely
Once you’ve identified a frozen pipe, thawing it correctly is crucial to avoid damage. Follow these steps:
1. Turn Off the Water Supply
To thaw a frozen water pipe, the very first thing you should do is close the valve that controls the water coming into your house. This will prevent water from gushing out if the pipe has cracked. This prevents potential flooding if the pipe bursts during thawing.
2. Open Faucets
Turn on both the warm and cold water valves that are attached to the frozen plumbing. This helps relieve built-up pressure and allows water to flow once the ice melts.
3. Apply Heat Gradually
Never use an open flame, as this can weaken the pipe or cause a fire. Instead, use:
- A hairdryer – Start at the faucet end and move toward the frozen section.
- Electric heating pads or towels soaked in warm water – Wrap them around the pipe.
- A space heater – Keep it at a safe distance and avoid direct contact with the pipe.
4. Check for Leaks
After the pipe has thawed, examine it for any signs of leakage. If you notice dripping water or a crack, shut off the water immediately and call a plumber.
What to Do if a Frozen Pipe Bursts?
A burst pipe can cause significant damage in minutes. Here’s what to do:
- Shut off the main water valve – This stops further flooding.
- Turn off electricity in the affected area to prevent electrical hazards.
- Drain the system by turning on all faucets to remove remaining water.
- Document the damage with photos and videos for insurance claims.
- Call a professional plumber to repair the pipe.
- Contact a public adjuster to assist with the insurance claim process.
Can Homeowners Insurance Cover Frozen Pipe Damage?
Yes, most homeowners insurance policies cover damage from burst pipes, but there are exceptions. Coverage typically depends on:

Because insurance claims can be complicated, working with a public adjuster can ensure you receive the maximum payout.
Preventing Frozen Pipes in the Future
Prevention is always better than dealing with costly repairs. Here’s how to keep your pipes from freezing:
1. Insulate Pipes
To prevent pipes from freezing in chilly areas like attics, basements, and garages, wrap them with foam insulation.
2. Keep Faucets Dripping
A slow, steady drip of water can help prevent pipes from freezing by reducing pressure buildup.
3. Maintain a Consistent Temperature
- Keep your thermostat set to at least 55°F (13°C), even when away from home.
- Open cabinet doors under sinks to allow warm air to circulate around pipes.
4. Seal Air Leaks
Cold air seeping into your home can freeze pipes faster. Seal gaps around doors, windows, and foundation cracks.
Need Help With a Frozen Pipe Insurance Claim? Contact Crestview
If you’re dealing with frozen pipe damage in New York, New Jersey, or Florida, you don’t have to navigate the insurance claim process alone. Crestview’s experienced public adjusters specialize in frozen pipe claims, ensuring you get the compensation you deserve. Contact us today to protect your home and finances.