Does Home Insurance Cover Frozen Pipe Bursts in Georgia? What Lawrenceville Homeowners Should Know

Flood and Storm Restoration

When winter temperatures dip below freezing in Georgia, frozen pipe bursts become a serious threat—especially for homeowners in Lawrenceville and throughout Gwinnett County. A single burst pipe can dump thousands of gallons of water into your home within hours, leading to soaked drywall, ruined floors, mold growth, and expensive structural damage.

frozen pipes bursts

The big question most homeowners ask is: “Will my home insurance cover the damage from a frozen pipe burst?”
The answer is yes—but with important conditions you must understand.
This guide breaks down exactly what is and isn’t covered, how to protect your home, and what steps to take if a pipe bursts this winter.

Why Frozen Pipes Are a Growing Problem in Georgia

Georgia’s weather is unpredictable. Some winters pass with mild cold spells, while others bring sudden deep freezes that homes aren’t well insulated for—especially older properties around Lawrenceville, Grayson, Duluth, and Snellville.

When water freezes, it expands inside the pipes and creates extreme pressure. Eventually, the pipe ruptures, sending water rushing into your home the moment temperatures warm back up. These types of water losses are one of the most common winter insurance claims in northern Georgia.

Does Home Insurance Cover Frozen Pipe Bursts?

Yes—But Only Under Certain Conditions

Most standard homeowners insurance policies do cover sudden and accidental water damage from frozen pipe bursts.
However, coverage often depends on whether the homeowner took reasonable steps to prevent the pipes from freezing.

What IS typically covered:

  • Water damage from the burst (walls, floors, ceilings, belongings)
  • Mold remediation (if discovered quickly and handled professionally)
  • Temporary repairs to stop further water intrusion
  • Hotel/living expenses if your home becomes uninhabitable
  • Restoration and cleanup services

What is NOT covered:

  • The cost to replace the actual broken pipe (this is considered “maintenance”)
  • Damage caused by negligence—such as:
    • Turning off the heat during vacation
    • Ignoring known plumbing issues
    • Failing to insulate pipes in vulnerable areas

Insurance companies expect you to take reasonable winter precautions.

Common Reasons Frozen Pipe Claims Are Denied

To avoid costly surprises, Lawrenceville homeowners should understand the most frequent denial reasons:

1. Home was left unheated

If you were away and set the thermostat too low or turned the heat off entirely, the insurer may deny the claim.

2. Failure to maintain the plumbing

Old, corroded, or poorly repaired pipes may be considered a maintenance issue.

3. Uninsulated pipes in obvious risk areas

This includes:

  • Crawl spaces
  • Attics
  • Garages
  • Exterior walls

If an insurer believes the freeze was preventable, coverage can be limited.

How to Ensure Your Claim Is Approved

To protect your home and your insurance coverage, take these prevention steps:

1. Keep indoor temperatures above 55°F

Even when traveling, make sure the thermostat is set to a safe level.

2. Open cabinet doors

This allows warm air to circulate around kitchen and bathroom plumbing.

3. Let faucets drip during freezing nights

Running water is less likely to freeze.

4. Insulate vulnerable pipes

Foam insulation, heat tape, or pipe sleeves are affordable and effective.

5. Seal cold air leaks

Drafts around windows, doors, and crawl spaces increase freeze risks.

6. Know your water shut-off valve location

Shutting off the water fast prevents catastrophic damage.

What to Do Immediately After a Frozen Pipe Bursts

Acting quickly minimizes damage and strengthens your insurance claim.

Step 1: Shut off the main water supply

This instantly slows down the flooding.

Step 2: Turn off electricity in affected areas

Safety first.

Step 3: Call a professional restoration company

PuroClean of Lawrenceville specializes in:

Step 4: Document everything

Take photos and videos before cleanup begins.

Step 5: Notify your insurance company

Provide details and share the restoration reports.

How PuroClean of Lawrenceville Helps With Frozen Pipe Damage

Our team provides fast, reliable winter water damage restoration across Lawrenceville and Gwinnett County.

We assist with:
✔ Water extraction
✔ Drying and dehumidification
✔ Moisture and leak detection
✔ Mold prevention and treatment
✔ Carpet, flooring, and drywall recovery
✔ Full reconstruction when needed
✔ Insurance claim documentation

We work directly with your insurance company, making the process smooth and stress-free.

FAQ: Frozen Pipe Bursts in Georgia

1. Are frozen pipe bursts common in Lawrenceville?

Yes. Sudden Georgia cold snaps cause more pipe bursts than people realize, especially in older homes, crawl spaces, and uninsulated basements.

2. Will insurance cover mold after a pipe burst?

Usually—if you act quickly. Delayed response may void mold coverage.

3. Does insurance cover plumbing repairs?

No. Insurance typically covers the damage, not the cost of replacing the pipe.

4. How long does it take to dry a home after a pipe burst?

24 to 72 hours depending on the severity and materials affected.

5. Who should I call first—the insurer or a restoration company?

Call a restoration company first. Fast mitigation reduces damage and makes getting your claim approved easier.

Final Thoughts: Protect Your Lawrenceville Home This Winter

Frozen pipes can cause devastating water damage, but most home insurance policies do offer protection when the homeowner takes proper precautions. By keeping your home heated, insulating pipes, and responding quickly to a burst, you can prevent both damage and denied claims.

If the unexpected happens, PuroClean of Lawrenceville is ready 24/7 to restore your home fast and help you navigate your insurance claim with confidence.

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