Texas Winter Storm Preparedness:
Protect Your Home from Freeze Damage and Insurance Claims
The devastating 2021 Texas winter storm caused over $11 billion in insured losses and resulted in more than 500,000 insurance claims. To safeguard your property and avoid costly damage, follow these essential steps before and during freezing weather:
Preventive Measures Before Winter
- Trim overhanging tree branches near your house and vehicles
- Seal leaks and cracks around bathroom and kitchen pipes
- Test and replace outdated carbon monoxide and smoke alarms
- Schedule professional chimney inspection and cleaning
- Locate your outdoor water shut-off valve
Actions During Freezing Weather
- Insulate outdoor faucets and exposed pipes, including those in unheated areas
- Run water through indoor faucets or allow them to drip
- Drain lawn sprinkler lines
- If leaving home, turn off main water supply and keep heat on
Insurance Coverage for Winter Damage
Most homeowner's insurance policies cover "sudden and accidental" damage, including:
- Burst pipes due to freezing
- Broken appliance hoses
- Water damage from ice dams