Frozen Pipe Damage Exceeds $4 Billion: IBHS

November 22, 2005

An average of a quarter of a million American families have one or more rooms in their homes ruined and their lives disrupted each winter by water pipes freezing and breaking.

According to the Institute for Business and Home Safety (IBHS), claim payments by all insurers over the past decade for these kinds of losses have exceeded $4 billion.

When the outside temperature drops below 20 degrees Fahrenheit (-6 degrees Celsius), water pipes in homes with little or no insulation are likely to freeze and break. In fact, a one-eighth inch (3-millimeter) crack in a pipe can spew out more than 250 gallons of water a day, destroying floors, furniture, appliances and personal items, according to State Farm.

Homeowners can avoid frozen pipes by having adequate insulation where pipes run along outside walls, floors and ceilings. They can disconnect outside garden hoses, wrap exposed pipes with insulating sleeves or tape, and seal foundation cracks that let arctic air freeze pipes in crawlspaces.

Other simple preventive measures to take in extreme cold is to open cabinet doors to allow heat to get to piping under sinks and vanities near exterior walls, and run a trickle of water at vulnerable cold and hot faucets.

For more information on avoiding the preventable disaster of frozen pipes, see the State Farm Web site at

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