Does a home warranty cover frozen pipes?

Check frozen pipe coverage to avoid costly surprises later

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With record-breaking cold temperatures popping up around the country each year, frozen pipes can be a problem for homeowners even in warmer climates. Repairs can be costly. While almost all home warranties cover plumbing, your package may not cover frozen pipes. Here’s what you need to know.

Key insights

Some home warranty companies cover frozen pipes.

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There are limitations and exclusions in your contract that may get your claim denied.

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You may have options if your home warranty doesn’t cover frozen pipes.

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What frozen pipe services does a home warranty cover?

Your home warranty contract may cover frozen pipe repair or replacement. The amount of coverage varies from company to company, so your best bet is to check your contract for details on your coverage. If you do have coverage, the company typically will pay for the parts and labor of any repairs or replacements you need made to the plumbing system.

Potential exclusions to frozen pipe home warranty coverage

Even the best home warranty companies include limitations and exclusions in their contracts that could get your claim denied. For example, if your plumbing has signs of problems that occurred before your contract came into effect, the company may deny your claim for frozen pipes.

Some home warranty companies also limit the amount of the repair they cover. You are responsible for paying for anything left over after the plumbing repair or replacement. For example, if your plumbing repair costs $5,000 and your plan has a $3,000 plumbing cap, you’d have to pay the leftover $2,000.

What to do if your home warranty doesn’t cover frozen pipes

If your home warranty doesn't cover frozen pipes, here are some steps you can take. First, consider additional coverage. While your current home warranty may not cover frozen pipes, you can explore options to add coverage for plumbing issues or upgrade to a plan that includes coverage.

Second, review your home insurance policy to see if frozen pipe damage is covered. Depending on your policy, you may be able to file a claim for repairs or replacements related to frozen pipes.

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    What does a home warranty typically cover?

    Home warranties usually cover large appliances, built-in microwaves, water heaters and systems like HVACs, plumbing, ductwork, pool heaters and well pumps. Some plans also cover additional items like pest control, septic systems, central vacuums, sump pumps and more.

    Does homeowners insurance cover frozen water pipes?

    Yes, homeowners insurance will often cover damage to frozen water pipes.

    What happens if my pipes freeze in my house?

    First, turn off your home’s water, and when the pipes defrost, you may have a massive leak on your hands. Next, call your homeowner’s insurance or home warranty company to see if repairs are covered under your policy.

    Bottom line

    Home warranty coverage for frozen pipes can vary depending on your policy's specific terms and conditions and the provider you choose. Some home warranty plans may cover certain aspects of frozen pipe damage, such as repairing or replacing affected plumbing components.

    However, it's important to review your home warranty contract carefully to understand the extent of coverage for frozen pipes and any limitations or exclusions that may apply.

    Article sources
    ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this article include:
    1. Government of the District of Columbia, “If My Frozen Pipes Burst, Am I Covered by Insurance?” Accessed April 4, 2024.
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